FHA Vs. USDA loan program for Florida-City, Miami-Dade County, Florida

In 2026, the USDA loan limit in Florida-City, within Miami-Dade county of FL, is $0, whereas the FHA limit for a single-family home is $402,500.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide on the right program in to fit your financial needs.

USDA and FHA Loan Options in Florida-City, FL

Lendersa®'s mission is to provide you with the optimal USDA or FHA loan quickly and without hassle. Choose one of three options that lead to matching lenders and USDA loan programs.

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What is a USDA Loan in FL?

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that necessitate at least a 3.5% down payment, the USDA mortgage requires none.

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(904) 222-0000 Lender's profile and map Reviews Prodigy Home Loans 1844 Atlantic Blvd, Jacksonville, FL, 32207 "Prodigy Home Loans has been serving the home loan needs of Florida home buyers since 1999, offering a full portfolio of mortgage lending options. Are you looking to purchase your first home? Have you found the home of your dreams? Or maybe you are considering refinancing or consolidating debt."
904-859-1778 Lender's profile and map Reviews GAULDENS ONE WORLD REALTY LLC 7530 103rd Street Suite 6, Jacksonville, FL, 32210 Mortgage Owl, LLC and Gaulden One World Realty, LLC provide fast, flexible financing and expert real estate support for investors and self‑employed buyers. We offer DSCR, Bank‑Statement, P&L, 1099‑Only, Non‑QM, and Hard‑Money loans, plus guidance on off‑market deals and renovation projects to help clients close quickly and build wealth.
(904) 619-5686 Lender's profile and map Reviews Jones Home Loan Mortgage LLC 5785 Wilson Blvd, Suite 1, Jacksonville, FL, 32210 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
(904) 381-1199 Lender's profile and map Reviews Oak Street Financial, Inc. 1919 Blanding Blvd, Suite 10, Jacksonville, FL, 32210 In 1998, Alec Boriss opened his mortgage brokerage business at its present location, 2330 Oak Street, in the heart of Jacksonville’s historic district. The business was a lender branch until, in 2004, Alec decided to incorporate Oak Street Financial, Inc. as a Correspondent Lender with license to originate FHA .
(904) 475-8000 Lender's profile and map Reviews Jax Federal Credit Union 562 Park Street, Jacksonville, FL, 32204 Our mission at Jax Federal Credit Union is to promote financial wellness to our members and the community. A Jacksonville staple since 1935, we have helped our members with low rates, credit and debt counseling, planning for the future, and even youth money basics. We proudly dedicate ourselves to the credit union promise of people helping people.
(904) 723-6300 Lender's profile and map Reviews 121 Financial Credit Union 701 Riverside Park Place, Jacksonville, FL, 32204 121 Financial is a member-owned, not-for-profit credit union headquartered in Jacksonville, Florida. We offer a full range of financial services and pride ourselves on providing members with a high level of personalized service. We specialize in lending and are passionate about seeing our local businesses and community thrive.
(904) 580-7444 Lender's profile and map Reviews MedPro One 1650 Margaret St, Suite 302, Jacksonville, FL, 32204 MedPro One provides services and products focused specifically to one audience, Medical Professionals. We offer an online market place displaying tailored options of products and lenders to meet the personal and financial needs of our clients. This online market place is revolutionizing the approach
(904) 398-1044 Lender's profile and map Reviews Pine Street Partners Inc 2650-2 Rosselle Street, Jacksonville, FL, 32204 Pine Street/RPS, LLC is a full service commercial real estate firm located in North Florida. We offer sales, leasing, property management, consulting and development services to users of commercial real estate in Jacksonville and surrounding areas. Our Mission Statement is simple. To provide superior commercial real estate services.
(904) 354-8537 Lender's profile and map Reviews Community First Credit Union 637 N Lee St, Jacksonville, FL, 32204 Community First, your Northeast Florida credit union. Our members are our number one priority. We are the recognized leader in providing superior financial solutions that improve members' lives while building strong and vibrant communities Community First Credit Union is headquartered in Jacksonville, FL and dedicated to serving.
(904) 263-0376 Lender's profile and map Reviews Elite Lending Service Inc 707 Peninsular Place, Jacksonville, FL, 32204 Elite Lending Service, Inc. is your local North Florida Mortgage Broker, owned and operated by Brad Bailey. Brad started in the mortgage business in 1997 and has since helped thousands of people obtain a loan for their home. With a background in wholesale mortgages, he has been exposed to nearly every obstacle to home ownership you can imagine.
(904) 743-2555 Lender's profile and map Reviews Jacksonville Postal & Professional Credit Union 1820 Rogero Rd, Jacksonville, FL, 32211 Jacksonville Postal & Professional Credit union was formed in 1929 by a small group of 12 postal employees. Our credit union has a long and distinguished history, steeped in the philosophy that credit unions are founded on.The credit union was originally chartered, on October 15, 1929 & was the first state chartered credit union in the state of FL.