USDA Loan Vs. FHA loan for Gainesville, FL [Alachua County ]

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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(626) 831-1420 Lender's profile and map Reviews SB Management Services, Inc. 750 Terrado Plaza, Suite 112, West Covina, CA, 91791 SB Financial Home Loans is a family-owned, family-operated business that serves the financing needs of small business owners throughout the Southern California counties of Riverside, San Bernardino, Orange, L.A., and West L.A. Based in Covina, the company was established in 2006 by Aide Solis
626-248-8007 Lender's profile and map Reviews California Mortgage Brokers Inc. 150 N. Grand Ave Suite 204, West Covina, CA, 91791 California Mortgage Brokers Inc 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.
(626) 483-6281 Lender's profile and map Reviews Reverse4Retirement 100 N Barranca St Fl 7, West Covina, CA, 91791 This company offers Welcome to Reverse4Retirement, we are reverse mortgage professionals and dedicated to helping senior citizens in California with reverse mortgages and reverse purchase home loans We understand the needs and concerns of our clients and work with them each step of the way to make the reverse mortgage process easy and stress free.
(909) 570-1088 Lender's profile and map Reviews Gateway Mortgage Group 2640 E Garvey Ave S, Suite 107, West Covina, CA, 91791 Gateway Mortgage Group 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
(626) 506-2200 Lender's profile and map Reviews Prime Equity Mortgage 100 N Citrus St #638, West Covina, CA, 91791 Prime Equity Mortgage 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.
(626)-796-1680 Lender's profile and map Reviews Capital Direct Funding 100 N CITRUS ST SUITE 530, West Covina, CA, 91791 Capital Direct Funding, we handle unique transactions we are no stranger too.We excel in handling these types of transactions and We help good people with unique challenges achieve their real estate goals by getting them connected with private and alternative financing and while improving their investments and safeguarding their financial future.
(714) 276-1130 Lender's profile and map Reviews Mortgage Mac 330 E. Lambert Rd, Suite 250, Brea, CA, 92821 Mortgage Mac is a Direct Lender who does everything in-house from application, processing, underwriting to closing. We strive to make your mortgage process quick, simple, and as hassle-free as possible We offer a wide array of loan options to fit virtually every need Including; Agency, FHA, Jumbo, HELOC and Portfolio programs.
(866) 777-3638 Lender's profile and map Reviews EMET Lending Group 2601 Saturn St, Suite 200, Brea, CA, 92821 Emet Mortgage is a mortgage lending company established in California that always prioritizes its clients and partners in everything we do to ensure your satisfaction and success. Not only Emet Mortgage consists of a large group of mortgage professionals with vast expertise in the industry but also we value
(949) 791-7856 Lender's profile and map Reviews Wetzel Mortgage Group 500 S. Kraemer Blvd, Suite 217, Brea, CA, 92821 Steven Wetzel (Loan Officer) is worked in Mortgage Banking for several years now. My success has been built upon the same tenants that made me successful running my family business- Customer Satisfaction, Integrity, and On Time Delivery. I enjoy working on the team because we pull together on all of our clients.
(714) 487-0400 Lender's profile and map Reviews The A-Team 3350 Birch St, Suite 140, Brea, CA, 92821 "We are THE A-TEAM of American Financial Network, Inc., a direct-lender with full delegation for FHA, VA, USDA, conventional loans and many other major secondary market institutions. We specialize in personalized mortgage solutions, fast customized quotes, great rates, & service with integrity."
(714) 333-1122 Lender's profile and map Reviews First Americal Mortgage 351 Oak Place, Suite K, Brea, CA, 92821 At First Americal Investments we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
(562) 691-9529 Lender's profile and map Reviews DGH Home Mortgage 1411 Woodcrest Avenue, Brea, CA, 92821 We offer a variety of Home Mortgages, Conventional, High Balance Conventional, Jumbo, FHA,VA, Reverse Mortgages, Equity lines for Home Purchases and Refinances, for first time homebuyers to the experienced home buyers and investors. Currently also closing HARP 2.0 loans with many of our lending instutitions.