USDA and FHA Pro and Con in Indian-River-Shores, Indian River County, FL
As of 2026, the USDA loan limit in Indian-River-Shores, located within Indian River County, FL, is set at $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates and understand the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial needs in Alabama.
2026 Loan Limits and Down Payment Details in Indian-River-Shores, Indian River, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Indian-River-Shores, FL
The mission of Lendersa® is to secure the best USDA or FHA loans quickly and without hassle. Begin with one of three options to connect with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as the USDA rural development loan or mortgage and is exclusive to rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment, offering a beneficial option for eligible rural buyers.
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