USDA Vs. FHA Pro and Con comparison in Holmes-Beach, Manatee County, FL

In 2025, the USDA loan limit for Holmes-Beach in Manatee County, FL, is $338,500. Meanwhile, the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Identify the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator allows for side-by-side viewing of USDA, FHA, Conforming, and VA options, assisting you in deciding which program best fits your financial needs in Alabama.

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2025 Loan Limits and Down Payment Requirements in Holmes-Beach, Manatee, FL

Loan Type Loan Limit Down Payment
USDA $338,500 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Holmes-Beach, FL

Lendersa® strives to provide you with the best USDA or FHA loans quickly and without hassle. Begin with one of three methods to match with lenders and explore USDA loan programs.

Lendersa USDA loan request matching results

Understanding USDA Loans in FL

A USDA home loan is supported by the Department of Agriculture, also referred to as the USDA rural development loan or mortgage, and is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans offer a zero down payment option for eligible applicants in rural neighborhoods.

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



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