USDA Vs. FHA your options comparison in Gifford, Indian River County, FL
As of 2025, the USDA loan limit in Gifford, within Indian River county, FL, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates and ascertain the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting in choosing the best program in that suits your financial circumstances.
2025 Loan Limits and Down Payment Requirements for Gifford, Indian River, FL
Loan Type
Loan Limit
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Gifford, FL
At Lendersa®, our objective is to facilitate a seamless and efficient acquisition of the most suitable USDA or FHA loan. Begin with any of the three pathways to connect with matching lenders and USDA loan schemes.
USDA home loans, authorized by the government’s Department of Agriculture, also known as USDA rural development loans, are exclusively available in rural communities. Unlike FHA loans necessitating a 3.5% down payment, USDA loans require no payment upfront.
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