USDA Vs. FHA your options comparison in Goulding, Escambia County, FL

In the year 2025, the USDA loan cap in Goulding, within Escambia county, FL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Use Lendersa®’s USDA loan calculator to evaluate today's best rates between USDA and FHA, and determine the necessary income, credit, reserves, and documentation to qualify. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the ideal program for your financial situation in .

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Loan limits and downpayment requirements for 2025 in Goulding, Escambia, FL

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

Exploring USDA and FHA loan opportunities in Goulding, FL

Lendersa® aims to swiftly secure you the most favorable USDA or FHA loan without hassle. Choose from three starting points to connect with matching lenders and USDA loan schemes.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, also known as a USDA rural development loan, is supported by the Department of Agriculture. Available exclusively in rural areas, unlike FHA loans that require at least 3.5% down payment, USDA mortgages require zero down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Community Bank and Trust
  • 100 S. Wood Street, Neosho, MO, 64850
  • Community Bank and Trust operates 14 full service branch offices in Southwest Missouri and Southeast Kansas. Since 1986 the employees of CBT have been actively involved in the success of our bank through the Employee Stock Ownership Plan. Each branch office is managed to specifically meet the financial needs of its customers and community.
  • Independent Advantage Mortgage, LLC
  • 1525 E. Franklin Street, Suite 4, Chapel Hill, NC, 27514
  • Independent Advantage Mortgage, LLC. is a full-service mortgage company based in Chapel Hill, North Carolina serving the entire state but mostly in Orange County, Durham County and Wake county. Whether you are buying a home or refinancing you owe it to yourself to see what I can do for you.
  • Carolina Home Mortgage
  • 1506 E. Franklin Street, Suite 201, Chapel Hill, NC, 27514
  • Carolina Home Mortgage is a family-owned mortgage broker headquartered in Chapel Hill with branch offices in Pittsboro and Fayetteville. Serving all of NC through www.CarolinaHomeMortgage.com, you can take advantage of comparing the products of 10 or more lenders without leaving the comfort of your home. Our company does not lend the money.
  • Kendall Financial LLC
  • 3204 Long Prairie Road, Suite D, Flower Mound, TX, 75022
  • "Kendall Financial LLC is an independent, full service financial planning & investment advisory firm. Our independence allows us to provide products & services that are best for you, our client. Our mission is to help our clients make smart decisions regarding their money. Areas of Specialty: Investment Advisory Services Retirement Accumulation e
  • American Nationwide Funding LLC
  • 60 Crossroads Plaza, O Fallon, MO, 63368
  • Patrick Flynn, Army Veteran and Owner of American Nationwide Funding has over 25 years of experience in real estate and investment banking and finance. He obtained his Executive MBA from Washington University and is a certified CFC. Pat's achievements include being one of the top account executives for the Clayton Merrill Lynch branch,
  • West Community Credit Union
  • 4161 Highway K, O Fallon, MO, 63368
  • Chartered in 1936, West Community Credit Union is a progressive financial institution that currently serves more than 17, 000 members and businesses. We specialize in friendly, personal service using the latest in innovative technology. As a member-owned financial cooperative, we can generally offer better loan and savings rates and fewer fee
  • LiFE Credit Union TX
  • 3351 Unicorn Lake Boulevard, Denton, TX, 76210
  • Life Credit Union (formerly known as Members Choice Federal Credit Union) has been open since 1973. and also LiFE Credit Union are interested in leaving the LEGACY of TRUST in out members through diligently finding our place in impacting your LiFE. For over 40 years, we have established relationship through that trust.
  • Entrust Mortgage, LLC
  • 73 Cavalier Blvd, Suite 316, Florence, KY, 41042
  • Entrust Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Providence Bank of Texas, ssb
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  • Providence Bank of Texas offers a variety of checking and savings accounts for you. Most accounts are accompanied by low-cost services such as internet banking, electronic statements with check images, and debit cards. Accounts require only $100.00 to open and have additional benefits to fit your lifestyle.
  • Ensure Home Loans LLC
  • 950 Deer Hollow Boulevard, Southlake, TX, 76092
  • Ensure Home Loans LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • L W Financial Services Inc
  • 751 E Southlake Blvd, Suite 113, Southlake, TX, 76092
  • L W Financial Services Inc is a a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. We have access to a full range of mortgage loan sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.
  • Assurance Home Loans
  • 130 Jellico Circle, Southlake, TX, 76092
  • Assurance Home Loans specialize in home financing -- finding the best (lowest cost, smooth process) mortgage loan for each borrower. Ask about our 1% down payment purchase loan! We also have Conventional loans up to $679, 650 for all of Texas (avoid Jumbo rates). Your loan matters to us,