USDA Loan Vs. FHA loan for Gulf-Breeze, FL 2025

In 2025, USDA loan limit in Gulf-Breeze, county of Santa Rosa, FL is $299,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Gulf-Breeze, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

+1 (916) 836-1771 Lender's profile and map Reviews iCapital Options 1545 River Park Dr, Sacramento, CA, 95815 At iCapital Option, we're not just a lender; we're your financial partner in realizing your real estate and business aspirations. With a commitment to your success, we offer a diverse range of funding options designed to cater to your unique needs and goals. iCapital Option is here to provide you with the financial support necessary to achieve
9168361771 Lender's profile and map Reviews PIC Group 1545 River Park Dr, Sacramento, CA, 95815 PIC Group was founded on the belief that access to flexible and reliable funding should be within reach for individuals and businesses alike. Our journey began with a vision to bridge the gap between aspirations and achievements by providing tailored financial solutions. Over the years, we have honed our expertise and expanded our offerings
855.219.5295 Lender's profile and map Reviews Optimus Capital 1545 River Park Drive, Suite 335, Sacramento, CA, 95815 Optimus Capital, Inc. offers fast and creative financing solutions for real estate investors, through private hard money loans. As a full-service private money lender, we can help cash flow all your deals while you build up your real estate portfolio Whether it’s for wholesale, a renovation project or ground up construction.
(831) 449-1227 Lender's profile and map Reviews Diego Jacob Sandoval Capitol Mortgage 1880 N. Main Street, Suite 200, Salinas, CA, 93906 We offer compettive rates and pricing. Since you will work directly with the broker/owner of the company you will have opportunity to get better overall service and loan pricing that you will find at your local bank or even other brokerage firms. We are Lending Integrity Seal Holder which means you are working with a company
(831) 800-7142 Lender's profile and map Reviews Essential Mortgage Solutions Inc 971 North Main St, Suite 209, Salinas, CA, 93906 Essential Mortgage Solutions Inc you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(831) 756-0551 Lender's profile and map Reviews Oasis Realty and Financial Services 131 Columbine Drive, Salinas, CA, 93906 Oasis Realty and Financial Services have Mortgage Loans and Real Estate, serving the Monterey Peninsula and nearby counties. Norma Ramirez can help you guide you through this complicated process with your best interests in mind. Get assistance in determining current property value, crafting a competitive offer, writing and negotiating a contract.
(800) 582-5503 Lender's profile and map Reviews Golden Pacific Bank, National Association 1409 28th Street, Sacramento, CA, 95816 We proudly offer customized products and services to small and medium size businesses in our local area. We supplement our traditional bank loans with government guaranteed options that can provide benefits to our clients that they may not have in our conventional loan product. Our mission is to provide exceptional personal banking services.
(916) 439-0787 Lender's profile and map Reviews Wholesale Direct Lending 725 30th St, Suite 102, Sacramento, CA, 95816 Wholesale Direct Lending buying, selling, Refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(916) 396-0967 Lender's profile and map Reviews Wholesale West Lending Inc 725 30th street, Suite 203, Sacramento, CA, 95816 "Rafael Jauregui and his staff have dedicated themselves to providing outstanding services to customers involved in the financing of residential real estate Rafael Jauregui is committed to providing excellence you deserve. From the first-time homebuyer needing down payment assistance to the sophisticated investor"
(916) 416-5626 Lender's profile and map Reviews KMG Kappel Mortgage Group, Inc. 3673 J Street Sacramento, Sacramento, CA, 95816 Welcome to Kappel Mortgage Group! Where you will find mortgage brokers that are experts and understand the local market and rates so that you can ensure you are getting the best deal. Whether you are first time home buyer purchasing your dream home, refinancing an outstanding loan.
(831) 771-4330 Lender's profile and map Reviews Pacific Valley Bank 422 Main Street, Salinas, CA, 93901 To Pacific Valley Bank, being truly local means having strong roots in the community, an unmatched knowledge of local industry, and relationships with community and business leaders. We believe supporting the community means much more than simply offering financial support. Pacific Valley Bank focused on small to medium size businesses.