USDA and FHA Pro and Con in Green-Cove-Springs, Clay County, FL

In 2025, the USDA loan limit in the city of Green-Cove-Springs, located in Clay, FL, is set at $310,900. In contrast, the FHA limit for a single-family residence amounts to $388,700.

Utilize the Lendersa® USDA loan calculator to juxtapose today's optimal USDA and FHA rates, and assess the income levels, credit scores, reserves, and documentation necessary to qualify. Our cutting-edge mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in discerning which program in states like Alabama fits your financial profile best.

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2025 Loan Limits and Downpayment Requirements in Green-Cove-Springs, Clay, FL

Loan Type Loan Limit Down Payment
USDA $310,900 0%
FHA $388,700 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Choices in Green-Cove-Springs, FL

Lendersa® seeks to efficiently connect you with the most suitable USDA or FHA loan available, without unnecessary hassle. Choose one of three initial pathways to find matching lenders and USDA loan programs.

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What Defines a USDA Loan in FL?

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans offer the advantage of zero down payment.

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



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