USDA Vs. FHA Pro and Con comparison in Gainesville, Alachua County, FL

In 2025, USDA loan limit in Gainesville, county of Alachua, FL is $336,500 while FHA limit is $472,030 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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2025 loan limits and downpayment requirments in Gainesville, county of Alachua, FL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Gainesville, 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?



  • The Tennessee Credit Union
  • 1400 8th Avenue South, Nashville, TN, 37203
  • The Tennessee Credit Union has been helping individuals achieve their financial goals with products and services designed to exceed expectations. We were founded by a small group of dedicated volunteers guided by their commitment to provide each member with the tools & knowledge necessary for personal financial growth and a sound financial future.
  • Christian Poling - Capstar Farmington Mortgage
  • 2002 Richard Jones Rd, Suite 1201, Nashville, TN, 37203
  • Christian Poling is a fifteen-year veteran of the mortgage industry in Nashville. A personable, welcoming approach with clients and their Realtors has earned him a stellar reputation among lenders. His efforts ensure knowledgeable clientele, exceptional loan terms, and a smooth process from the moment of introduction all the way to closing day.
  • Blue Sky Mortgage of TN LLC
  • 3010 Poston Ave, Nashville, TN, 37203
  • Blue Sky Mortgage of TN, LLC is here to walk you through the mortgage loan process, step-by-step. Our team is experienced and knowledgable of the local neighborhoods, schools and market conditions to help navigate you through the selling or buying process. We strive to provide excellent customer service.
  • Truxton Trust Company
  • 4525 Harding Road, Suite 300, Nashville, TN, 37205
  • Truxton Trust opened for business in August 2004, after raising initial capital of $20 million. We started with a nucleus of veteran private bankers, wealth advisors, and treasury management professionals all led by our founding chairman, the late Donald (Don) W. Thurmond, who, along with our other organizers (founding shareholders), shared a commo
  • St. Thomas Credit Union
  • 4230 Harding Pike, Suite 103, Nashville, TN, 37205
  • Since 1959, St. Thomas Credit Union has been dedicated to growth & improvement through expansion of our financial products, knowledge and services. St. Thomas Credit Union realized that our sister credit union, St. Thomas Federal Credit Union in the Virgin Islands was hit hard by the recent hurricanes.
  • Pinnacle Financial Partners
  • 150 Third Avenue South, Suite 900, Nashville, TN, 37201
  • Pinnacle Financial Partners provides a full range of Banking, investment, trust, mortgage and insurance products and services designed for businesses and their owners and individuals interested in a comprehensive relationship with their financial institution. Pinnacle's focus begins in recruiting top financial professionals.
  • Onyx Mortgage Group
  • PO Box 292901, Nashville, TN, 37229
  • 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.
  • Tennessee Department of Safety credit union
  • 1150 Foster Avenue, Nashville, TN, 37243
  • The Tennessee Department of Safety Credit Union is a financial organization chartered in the state of Tennessee. The credit union is a cooperative non-profit institution organized to promote thrift and provide an economical source of confidential credit for those who belong. The members elect a five-member Board of Directors to set policies.
  • Enbright Credit Union
  • 1214 Church Street, Suite 100, Nashville, TN, 37246
  • Enbright Credit Union began as Electric Service Credit Union. The employees of Nashville Electric Service founded the credit union in 1951, when eleven charter members deposited $5 each plus a twenty-five-cent membership fee. The State of Tennessee approved the credit union’s charter
  • Ironhorse LLC
  • 150 4th Avenue North, 20th Floor, Nashville, TN, 37219
  • Ironhorse LLC is comprised of former accomplished Bankers, CFO’s & Financial Managers – we have owned businesses & know first-hand how critical it is to have adequate capital to operate and grow a business. We operate Ironhorse with purpose & within a culture of honor to represent our small business customer with integrity and a sense of service.
  • CITIZENS BANK of Lafayette
  • 400 Highway 52 Byp W, Lafayette, TN, 37083
  • Citizens Bank of Lafayette, Tennessee, was organized under state charter on April 10, 1909. M.S. Freeman was elected as the bank’s first president and W.J. Hirring was elected vice-president. The 83 original shareholders invested $12, 000. Citizens Bank opened for business on July 1, 1909.
  • Starr Mortgage
  • 303 Red Boiling Springs Road, Lafayette, TN, 37083
  • Starr Mortgage Can Help We can customize your financial package. FHA, RD, VA, Conventional & Land-Only Loans! 100% Financing No Money Down Home Purchases Refinances / Debt Consolidation 10-30 Year Terms Available Products were inspired by Behance's research of especially productive teams in the creative industry.