USDA Vs. FHA Pro and Con comparison in Golden-Gate, Collier County, FL
In 2025, the USDA loan limit for Golden-Gate, within Collier county in FL, is $368,000. Meanwhile, the FHA loan limit for a single-family home is $460,000.
Check out the Lendersa® USDA loan calculator to compare the current USDA versus FHA rates and understand the income, credit, reserves, and documents required to qualify. With our sophisticated mortgage calculator, you'll see USDA, FHA, Conforming, and VA loan options side by side, aiding in your decision on the best program in Alabama for your financial scenario.
2025 Loan Limits and Down Payment Requirements in Golden-Gate, Collier, FL
Loan Type
Loan Limit
Down Payment
USDA
$368,000
0%
FHA
$460,000
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Golden-Gate, FL
The objective of Lendersa® is to secure the best USDA or FHA loan for you, quickly and without complication. Begin with one of the three initial paths to align with lenders and explore USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture (often referred to as a USDA rural development loan), is available only in rural areas. It requires no down payment, unlike FHA loans, which require a minimum 3.5% down payment.
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