FHA Vs. USDA loan program for Gulf-Breeze, Santa Rosa County, Florida

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 .

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.

Lendersa USDA loan inquiry and matching outcomes

Understanding USDA Loans in FL

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.

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(251) 289-1141 Lender's profile and map Reviews Mission 1st Mortgage Inc 805 Church Street, Unit 2, Mobile, AL, 36602 Mission 1st Mortgage team is committed to providing our clients with the highest quality financial services combined with the lowest mortgage rates available in Alabama. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
(251) 368-3148 Lender's profile and map Reviews The First National Bank and Trust 111 South Main Street, Atmore, AL, 36502 First National Bank and Trust is located in Atmore, AL, United States and is part of the Depository Credit Intermediation Industry. First National Bank and Trust has 119 total employees across all of its locations and generates $10.46 million in sales (USD). There are 6 companies in the First National Bank and Trust corporate family.
(251) 446-6000 Lender's profile and map Reviews United Bank 200 E. Nashville, Atmore, AL, 36502 Founded in 1904, United Bank serves the needs of consumers, small businesses, agriculture and commercial customers. As a community bank, United Bank makes a difference because . . . By shopping local and banking locally with United Bank, customers can make a real difference in the lives of their neighbors and the future of their community.
(251) 338-2092 Lender's profile and map Reviews Progressive Federal Credit Union 1065 Springhill Ave, Mobile, AL, 36604 Our philosophy is: "Once a Member, Always a Member." You may remain a member of the credit union for the rest of your life, as long as you maintain the minimum share (savings) balance. When you join Progressive Federal Credit Union, your money goes farther. Membership in this nonprofit institution gives you access to low-cost loans and affordable.
(251) 438-7464 Lender's profile and map Reviews Gulf Coast Federal Credit Union 1001 Springhill Avenue, Mobile, AL, 36604 Live, work, worship, or attend school in Mobile County – You can join Gulf Coast Federal Credit Union. Your immediate family members may also qualify for membership in the credit union. Visit our newly renovated credit union office at 1001 Springhill Ave., Mobile, Alabama and our branch office at 4313 Downtowner Loop South, Mobile, Alabama.
(850) 892-2024 Lender's profile and map Reviews Walton County’s First Credit Union 1586 US Highway 90 West, Defuniak Springs, FL, 32433 Walton County Teachers’ Federal Credit Union is a non-profit financial organization owned and operated by you, the members, for the benefit of all who belong. We were chartered in 1961 to serve all school personnel of the Walton County School Board, in Walton County, Florida. The credit union expanded its field of membership.
(251) 473-4712 Lender's profile and map Reviews Mobile Educators Credit Union 3150 Airport Blvd, Mobile, AL, 36606 Mobile Educators Credit Union was established in 1954 to provide financial services to faculty & staff of the Mobile County School System. Since 1954 we have grown to more than 9,000 members & expanded our field of membership to include anyone who lives, works, or attends school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington Counties.
(251) 476-5938 Lender's profile and map Reviews Commonwealth National Bank 2214 St. Stephens Road, Mobile, AL, 36617 Commonwealth National Bank has been committed to meeting the financial needs of the communuties it serves. Our goal is to be the preferred institution for everyone seeking an exceptional banking experience by offering comprehensive banking services, competitive rates, personalized service, and supporting causes that impact the community.
(251) 450-4804 Lender's profile and map Reviews Blue Flame Credit Union 220 Furr Street, Mobile, AL, 36607 Blue Flame Credit Union was established in 1954. We now service Spire Energy, Felder Services, and their immediate family members. We are not for profit, not for charity, but for service. At the Blue Flame Credit Union we strive for 100% satisfaction to our members. Our policy is once a member always a member.
(251) 435-5900 Lender's profile and map Reviews The Infirmary Federal Credit Union 130 Mobile Infirmary Blvd, Mobile, AL, 36607 The Infirmary Federal Credit Union (TIFCU) was chartered in September 1974, to serve the employees of Mobile Infirmary. As The Infirmary has grown, so has the Credit Union’s field of membership. Please see below for membership eligibility. The Infirmary Federal Credit Union is a not-for-profit, member owned, federally insured financial institution
(251) 342-1472 Lender's profile and map Reviews Mobile Postal Employees Credit Union 800 Downtowner Loop West, Mobile, AL, 36609 Mobile Postal Employees Credit Union was established July 1st, 1949 to serve the needs of Postal Workers and their families. Like all credit unions, we are a nonprofit, member-owned financial institution. Unlike a bank, we do not operate for profit. Any profit earned by the credit union is returned to the members in the form of dividends.