USDA Vs. FHA your options comparison in Gulf-Breeze, Santa Rosa County, FL
For the year 2025, in Gulf-Breeze within Santa Rosa county, FL, the USDA loan limit is set at $299,000. Conversely, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's best rates between USDA and FHA loans. This tool helps you assess the income, credit score, reserves, and necessary documents for qualification. Providing a clear side-by-side comparison, the advanced mortgage calculator presents USDA, FHA, Conforming, and VA options to assist in selecting the ideal program suited to your financial situation in .
Loan Limits and Down Payment Requirements for 2025 in Gulf-Breeze, Santa Rosa, FL
Type of Loan
Loan Cap
Minimum Down Payment
USDA
$299,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Choices in Gulf-Breeze, FL
The aim of Lendersa® is to swiftly secure the most advantageous USDA or FHA loans for you, minimizing hassle. To begin, choose one of three paths designed to connect you with the right lenders and USDA loan programs.
USDA home loans are government-backed through the U.S. Department of Agriculture, also known as USDA rural development loans or USDA mortgages. They are exclusively available for properties in rural areas. Distinct from FHA loans, which require a minimum down payment of 3.5%, USDA mortgages offer the benefit of no down payment requirement at all.
Our mission and strategic plan is to remain locally owned and independent. We believe that our structure enables us to provide the highest standard in financial services including quality service, competitive products, and value to our customers.Additionally, we are committed to exploring new banking solutions.
Prescott Federal Credit Union is a financial cooperative serving its members with a complete line of financial products and services. Prescott Federal was founded on November 19, 1937 to serve the employees of the Veterans Administration Medical Center under the name of Prescott U.S. Employees Federal Credit Union.
Richland Federal Credit Union is a member-owned credit union that serves Richland and Roosevelt Counties in Montana, as well as other communities in northeast Montana and northwest North Dakota. We offer friendly customer service, competitive interest rates on Agricultural, Consumer and Real Estate loans, and a robust commitment to our community
American State Bank and Trust Company to be the premier provider of financial services in our trade area by partnering with our customers to achieve their financial goals & also At ASB&T we call our approach to business Banking Your Way. By providing unmatched customer service, we can continue to improve financial outcomes for our valued customers.
Western Cooperative Credit Union exists for the financial benefit of its members. Its purpose shall be to maximize member benefits through cost effective financial services, education consistent with cooperative principles, prudent management, and to maintain a strong presence in our communities.
Statewide Funding is a Mortgage Company that has been highly recommended. Statewide Funding Loans Officers make the process extremely easy whether it is your first time buying a home or Refinancing. Mike and Rob believe in a smooth lending process from the time you put in your application to closing
Big Horn Federal has provided residents of the Big Horn Basin with 2 essential services: a safe place for their savings & affordable mortgage funds for their home purchases. We have expanded on these services to offer checking accounts, consumer loans, debit cards, wire services, safe deposit accounts and a host of other related financial products.
Timberline Mortgage, Inc. Team is your premier mortgage team located in Richfield, Utah. Timberline Mortgage, Inc. offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Richfield area. Whether you are first time home buyer, purchasing your dream home.
Utah Independent Bank was established in Salina, Utah and opened for business in August 1977. Utah Independent Bank is the only locally owned bank in the counties of Sevier and Beaver. We currently have four locations to serve the needs of our customers; they are located in Beaver, Milford, Monroe, and Salina, Utah. All locations provide full-servi
345 West 600 South, Suite 125, Heber City, UT, 84032
SmartLink was born out of a lack of good customer service in the industry. Christal Bowlby has been in the lending business since 1996 & great customer service has been key to keeping her business thriving for years. Starting her career as a direct lender, working for large banks such as Chase Manhattan Bank and GMAC but became a broker in 2008.
"Xcel Financial is committed to helping you find the right mortgage product for your needs.
We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools."
