FHA Vs. USDA loan program for Gainesville, Alachua County, Florida

In 2026, the USDA loan limit for Gainesville, situated in Alachua county, FL, stands at $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates currently available and determine the necessary income, credit, reserves, and documentation required to qualify. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA side by side to decide which option in best suits your financial situation.

Exploring USDA and FHA Loan Options in Gainesville, FL

Lendersa® aims to help you swiftly acquire the best USDA or FHA loan with minimal hassle. Choose one of three pathways to connect with lenders and discover USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in FL?

The USDA home loan, secured by the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage, and it is intended for rural areas only. Unlike FHA loans requiring a minimum of a 3.5% down payment, USDA loans do not require any down payment.

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(870) 541-1000 Lender's profile and map Reviews Simmons Bank 501 S Main St, Pine Bluff, AR, 71601 Simmons’ present-day is more exciting than ever due to its rich culture and high performance. In the last six years, Simmons has catapulted from a Bank holding company with approximately $3.2 billion in assets to an approximately $20.8 billion-asset company as of March 30, 2020 operating in seven states.
(740) 289-5060 Lender's profile and map Reviews Atomic Credit Union 711 Beaver Creek Road, Piketon, OH, 45661 Atomic Credit Union is currently offering great rates with a variety of personal and business services, including checking and savings accounts, auto loans, mortgages and much more. Bank online or at any of our convenient locations in Athens, Beaver, Chillicothe, Jackson, Logan, Lucasville, Minford, Oak Hill, Piketon, Portsmouth, Waverly, Wellston,
(318) 259-7362 Lender's profile and map Reviews Hodge Bank & Trust Company 4619 Quitman Highway, Hodge, LA, 71247 Founded in 1965, Hodge Bank & Trust Company serves the banking needs of Jackson Parish and its surrounding communities. For nearly a half-century, Hodge Bank has provided personal and business banking services with an unparalleled commitment to customer service. At Hodge Bank, trust is more than a word.
(800) 290-7002 Lender's profile and map Reviews OneMain Financial 601 N.W. Second Street, Evansville, IN, 47708 OneMain provides personal loans with one on one, local service at branches nationwide. Our personalized loan solutions offer customers a simple and straightforward loan application, fixed rates, fixed payments, clear terms and multiple payment options. Behind every great company is a great team. What we offer is simple
(800) 280-8280 Lender's profile and map Reviews United Fidelity Bank 18 N.W. Fourth Street, Evansville, IN, 47708 United Bank Downtown Banking CenterSince 1914, United Bank has been dedicated to building long term relationships with our customers. Our mission is to be the premier community banking institution providing financial services for our market, by surpassing customer's expectations and fulfilling community needs in a manner that enhances value.
(812) 464-1425 Lender's profile and map Reviews Old National Bank 1 Main St, Evansville, IN, 47708 Old National Bancorp is the largest financial services holding company headquartered in Indiana. With $24.0 billion in assets, we rank among the top 100 banking companies in the United States. Since our founding in Evansville, Ind., in 1834, we have focused on community banking by building long-term highly valued partnerships with our clients.
(618) 634-2208 Lender's profile and map Reviews Grand Rivers Community Bank 260 S Main St, Grand Chain, IL, 62941 Since 1902, Grand Rivers Community Bank has served the needs of Pulaski County on a personal level. Though you are our customers, you are a lot more than that. You are fellow community members, neighbors — even family and friends. And that's exactly how we treat you. We get to know your personal goals and dreams.
(540) 778-2294 Lender's profile and map Reviews Pioneer Bank 252 E Main St, Stanley, VA, 22851 Early in the spring of 1909, a group of farmers and merchants gathered to establish a bank in a small Virginia town known then as Stanleyton. On December 3, 1909, Farmers & Merchants Bank, Inc. opened for business with ten thousand dollars in capital stock. Over one hundred-ten years later, this independent and locally-owned bank,
(800) 710-6762 Lender's profile and map Reviews Griffin Capital 1135 Heatherstone Dr, Suite 102, Fredericksburg, VA, 22407 Griffin Capital Funding has grown to become one of the largest and most creative church financing companies in the country. With over $1.5 Billion in closed church loans, we have helped churches with loans as small as $50, 000 up to our largest loan for one church of $35, 000, 000.
(740) 992-2136 Lender's profile and map Reviews Farmers Bank and Savings Company 211 West Second Street, Pomeroy, OH, 45769 Established in 1904, Farmers Bank knows what it takes to sustain a healthy, thriving community. We are passionate about helping individuals, groups, team, organizations, causes and more. As we grow, so does our effort to infuse the neighborhoods that make our communities – and our people – very unique and unquestionably great.
(812) 425-5152 Lender's profile and map Reviews Diamond Valley Federal Credit Union 840 East Diamond Avenue, Evansville, IN, 47711 Diamond Valley Federal Credit Union is a full-service financial institution and deposits are insured by the NCUA up to $250,000. Our members own Diamond Valley Federal Credit Union so we have no outside stockholders and our Board of Directors are volunteers. Diamond Valley is not-for-profit so we can return profit back to the members
(812) 475-0500 Lender's profile and map Reviews Heritage United Mortgage Services 1420 N Weinbach Ave, Evansville, IN, 47711 We are a family owned mortgage lender dedicated to making the home loan process simple and fast. Dan Phillips has been in the mortgage industry for the past 30 years and strives to offer excellent service, low competitive rates and mortgage loan programs that meets your specific need.