USDA Vs. FHA your options comparison in Highland-Beach, Palm Beach County, FL
In the current year, 2026, the USDA loan limit for Highland-Beach, located in the county of Palm Beach, FL, is $322,000, whereas the FHA limit for a single-family home amounts to $402,500.
Use the Lendersa® USDA loan calculator to compare the best rates between USDA and FHA as of today. Determine what income, credit, reserves, and documentation are needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan options side by side to assist you in selecting the optimal program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Highland-Beach, County of Palm Beach, FL
Loan Type
Loan Limit
Down Payment
USDA
$322,000
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Highland-Beach, FL
Lendersa® is committed to providing you with the most favorable USDA or FHA loan as quickly and hassle-free as possible. Choose from one of three starting options to see which lenders and USDA programs align with your needs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture. It's also referred to as a USDA rural development loan or USDA mortgage and is strictly available in rural areas. In contrast to FHA loans which require a minimum down payment of 3.5%, a USDA mortgage requires no down payment at all.
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