USDA Vs. FHA your options comparison in Fruit-Cove, St. Johns County, FL
For the year 2025, the USDA loan limit in Fruit-Cove, situated in the county of St. Johns, within FL, is $310,900, while the FHA limit for a single-family home registers at $388,700.
Utilize the Lendersa® USDA loan calculator to evaluate today's top rates between USDA and FHA loans, and understand the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting in selecting the best-suited plan for your financial circumstances in Alabama.
2025 Loan Limits and Down Payment Needs in Fruit-Cove, St. Johns, FL
Loan Category
Maximum Limit
Down Payment Requirement
USDA
$310,900
0%
FHA
$388,700
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Possibilities in Fruit-Cove, FL
At Lendersa®, our aim is to efficiently connect you with the best USDA or FHA loan offerings, minimizing any complications. Begin with one of three pathways that result in alignments with appropriate lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is supported by the government through the Department of Agriculture. Only available in rural areas, it contrasts with FHA loans by not requiring a down payment, while FHA loans demand a minimum of 3.5% down.
Whether you're a first time homebuyer or an experienced borrower, The Bank of South Carolina's mortgage professionals can make the process clear and simple. Our knowledgeable professionals are trained to help you understand the entire loan process and select the most favorable loan product for your needs.
At Best Loans Corp, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Southern Direct Home Loans is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
At Oasis Home Mortgage. We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage or cashing out your home equity. So we make a commitment to you: we will help you qualify
LifeTree Lending, LLC, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. 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
First State Bank of Blakely¹ was originally chartered in 1903 under the name First National Bank of Blakely and has operated continuously in Early County since its inception. The bank was owned and operated under the direction of Mr. S. G. Maddox, Sr. until his retirement in 1993.
The Emerald Coast Federal Credit Union is a full-service financial cooperative, dedicated to serving its membership. We were originally chartered in 1939 as St. Joe Papermakers Federal Credit Union to serve the employees and their families of the local paper mill. In 1998, we became Emerald Coast Federal Credit Union and converted.
We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors.
With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964.
A branch office was opened in 2002 in Americus,
