USDA Vs. FHA your options comparison in Fleming-Island, Clay County, FL
For the year 2026, the USDA loan ceiling in Fleming-Island, within Clay county, FL, is designated at $310,900. At the same time, the FHA cap for single-family homes is set at $388,700.
The Lendersa® USDA loan calculator allows you to compare current USDA and FHA rates. It also helps you understand the necessary income, credit profile, reserves, and paperwork needed for qualification. By utilizing our cutting-edge mortgage calculator, you can align USDA, FHA, Conforming, and VA options alongside each other to find the most suitable program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Fleming-Island, Clay County, FL
Loan Category
Limit
Initial Payment
USDA
$310,900
0%
FHA
$388,700
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Solutions in Fleming-Island, FL
Lendersa® aims to provide you with the most advantageous USDA or FHA loans, quickly and with ease. Begin with one of three pathways to engage with lenders and USDA loan schemes effectively.
A USDA home loan, endorsed by the U.S. Department of Agriculture, often known as a USDA rural development or USDA mortgage, is offered solely in rural areas. Contrasting with FHA loans that demand a 3.5% minimum down payment, a USDA mortgage requires no down payment at all.
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