FHA Vs. USDA loan program for Jacksonville, Duval County, Florida

In the year 2025, the USDA loan limit for Jacksonville in Duval county of FL is set at $345,900, whereas the FHA limit for a single-family residence is $526,700.

The Lendersa® USDA loan calculator is available to assist you in comparing today's USDA and FHA best rates. It helps determine the necessary income, credit requirements, reserves, and documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you figure out which program in suits your specific financial situation.

Available USDA and FHA Loan Options in Jacksonville, FL

Lendersa® aims to deliver the optimal USDA or FHA loan quickly and without complexity. Start by choosing one of three methods to connect with matching lenders and USDA loan options.

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Clarifying What a USDA Loan Is in FL

The USDA home loan, endorsed by the Department of Agriculture, is available only in rural areas and is often called the USDA rural development loan or USDA mortgage. In contrast to FHA loans that mandate at least a 3.5% down payment, the USDA loan requires no down payment at all.

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(805) 965-5942 Lender's profile and map Reviews American Riviera Bank 1033 Anacapa Street, Santa Barbara, CA, 93101 American Riviera Bank opened for business on July 18, 2006 in Santa Barbara, CA with the support of approximately 400 local shareholders. The Bank is a full service community bank, focused on serving the lending and deposit needs of businesses & consumers in our community. The Bank has five full-service branches, located downtown in Santa Barbara.
(805) 265-1011 Lender's profile and map Reviews Santa Barbara Commercial Fund 401 Chapala Street, Suite 106, Santa Barbara, CA, 93101 The Santa Barbara Commercial Fund, LLC (“SBCFund”) is a boutique commercial lending fund that bridges the gap between traditional bank financing and private collateral based financing. As the manager of the SBCFund, KJacobsen Capital, LLC (“KJCapital”), brings 50+ years of local commercial banking experience
(805) 687-6282 Lender's profile and map Reviews Direct Mortgage Funding Santa Barbara 1736 State St, Santa Barbara, CA, 93101 Direct Mortgage Funding-Santa Barbara is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt
(805) 899-1390 Lender's profile and map Reviews Paragon Mortgage Group 1215 De la Vina Street, Suite G, Santa Barbara, CA, 93101 Paragon Mortgage Group is a full-service mortgage brokerage firm of experienced professionals committed to integrity & unparalleled customer satisfaction. Paragon's dedicated team is able to assist in every phase of financing your property. We maintain a complete portfolio of major wholesale lending sources as well as smaller boutique mortgage.
(805) 455-2084 Lender's profile and map Reviews The Mortgage Acquisition Corporation 39 E De La Guerra St, Santa Barbara, CA, 93101 TMAC has a unique business approach and one that is of increasing value to borrowers who are unable to qualify now for conventional or NonQM loans. There is no need to turn down many loan requests that come from borrowers with credit issues, need to get funds quickly before a business purpose with a loan secured by a first or junior lien on.
(805) 568-0505 Lender's profile and map Reviews Unison Financial Group 16 West Mission Street, Suite F, Santa Barbara, CA, 93101 Unison Financial Group offers Santa Barbara, CA mortgage programs to fit your budget. For practical and knowledgeable advice and options, At Unison Financial Group we make customer satisfaction our number one priority. We arrange purchase, refinance, and cash out loans on owner and non-owner occupied properties, including second homes.
(805) 403-9679 Lender's profile and map Reviews SB Mortgage Group 1601 Anacapa St, Santa Barbara, CA, 93101 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(805) 963-1496 Lender's profile and map Reviews McAdams Financial Services 217 East Anapamu Street, Santa Barbara, CA, 93101 McAdams Financial offers a wide variety of home loan products. Featured programs include fixed rate and adjustable rate mortgages, interest-only loans, jumbo loans and FHA mortgages. We also offer a No Lender Fees option which can reduce your closing costs. We look forward to working with our partners, clients.
(559) 840-4442 Lender's profile and map Reviews Greater Heights Financial & Realty Inc 2014Tuland street, Suite 631, Fresno, CA, 93721 At Greater Heights Financial & Realty, we’re committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
(877) 225-0318 Lender's profile and map Reviews Murphy Bank 5180 North Palm Avenue, Fresno, CA, 93704 Murphy Bank is a bit unusual. Rather than trying to be all things to all people, we do a few things, and we do them well. We help busy farmers and small business owners get loans for new or used machinery and equipment. We make it easy for them to get customized loans and leases for their vehicles
(559) 374-0944 Lender's profile and map Reviews Sierra Mortgage 516 W. Shaw Ave, Suite 200, Fresno, CA, 93704 Sierra Mortgage is your premiere mortgage lender located in Fresno, CA. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan.
(559) 221-2590 Lender's profile and map Reviews Mayu Capital Lending, Inc 516 West Shaw Avenue, Suite 200, Fresno, CA, 93704 Mayu Capital Lending, Inc. is a California based lending agency that specializes in residential and commercial financing. With over 11 years in finance, Mayu Capital Lending, Inc. takes a different approach to funding through a preference of portfolio-client relations in place of purely transactional lending.