USDA Vs. FHA your options comparison in Fort-Walton-Beach, Okaloosa County, FL

In 2024, USDA loan limit in Fort-Walton-Beach, county of Okaloosa, FL is $353,200 while FHA limit is $441,600 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Fort-Walton-Beach, county of Okaloosa, FL

Loan Type Loan Limit Down payment
USDA $353,200 0%
FHA $441,600 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Fort-Walton-Beach, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • High Class Mortgage LLC
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  • High Class Mortgage is a Mortgage Company for honest loan officers who prefer to be treated fairly without being "nickel and dimed." High Class Mortgage is a mortgage company that was 10 years in the making. A concept conceived by Christopher and Jennifer Williams, who have always been committed to honesty and integrity in the home loan business.
  • North Point Financial Inc
  • 1203 24th St, Denver, CO, 80205
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  • RP Mortgage LTD
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  • 2049 Larimer Street, Denver, CO, 80205
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  • Clear to Close Mortgage LLC
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  • 84 Pine Street, Burlington, VT, 05402
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  • PO Box 64709, Burlington, VT, 05406
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