USDA Vs. FHA Pro and Con comparison in Jacksonville-Beach, Duval County, FL

In 2026, the USDA loan cap in Jacksonville-Beach, within Duval County, FL, is $310,900, while the FHA limit for a single-family home is $388,700.

Use the Lendersa® USDA loan calculator to compare today’s best USDA and FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, which helps you choose the best program for your financial situation in .

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2026 Loan Limits & Down Payment Requirements in Jacksonville-Beach, Duval County, FL

Loan Type Loan Limit Down Payment
USDA $310,900 0%
FHA $388,700 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Jacksonville-Beach, FL

Lendersa® aims to secure the best USDA or FHA loans swiftly and without hassle. Choose from one of three starting points to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in FL?

A USDA home loan, backed by the Department of Agriculture and also referred to as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment.

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



  • My Home Mortgage Company
  • 618 East South Street, Suite 500, Orlando, FL, 32801
  • 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.

  • My Mortgage Funding LLC
  • 390 North Orange Ave, Suite 2311, Orlando, FL, 32801
  • We're a mortgage lender that offers various types of financing options including Conventional, FHA, VA, USDA, Commercial & Jumbo loans, Non-QM loans for people with credit issues...etc, Our goal is to eliminate all the hurdles to home ownership various types of financing options.

  • Tewes Mortgage
  • 100 W Lucerne Cir, Suite 502, Orlando, FL, 32801
  • Tewes Mortgage is a mortgage brokerage that shops for their clients' best loan scenario, guaranteeing the best product and interest rate available to them. We provide our clients with a one-stop shop for all property financing needs all the while giving service excellence throughout the entire process.

  • Teagle Mortgage Group, LLC
  • 618 E. South Street, Suite 500, Orlando, FL, 32801
  • 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.

  • NATIONS LENDING
  • 37 NORTH ORANGE AVE, SUITE 500, ORLANDO, FL, 32801
  • Founded in 2003, Nations Lending has a long history of helping families achieve their dream of homeownership. We take great pride in not just closing a loan, but finding a custom tailored financial solution for each client we interact with. We look at each customers needs objectively, and we recognize that the needs of each client may be different.

  • Spectrum Global Financial
  • 845 N Garland Ave. Suite 215, Orlando, FL, 32801
  • Spectrum Global Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders

  • FBC Mortgage, LLC
  • 189 South Orange Ave., Suite 970, Orlando, FL, 32801
  • FBC Mortgage, LLC is a Top 20 National Mortgage Lender headquartered in Orlando, Florida. FBC is licensed in 47 states and has over 81 branches and 750 employees nationwide. FBC specializes in residential mortgage lending through our retail and wholesale/correspondent channels, and offers purchase, refinance, construction, and renovation loans

  • GDM Mortgage Corp
  • 100 E Pine St Suite 110, Orlando, FL, 32801
  • We understand that each client is unique with different needs.Therefore we offer many programs from Conventional, FHA, VA, USDA, to Bank Statements, & Investor Quick Fix and Flip loans.All designed for a successful approval and closing.

    We work directly with wholesale lenders which offers us low wholesale rates passed directly to the client.

  • Florida Home Funding
  • 390 N Orange Ave #2125, Orlando, FL, 32801
  • Florida Home Funding, an Orlando Florida mortgage broker, we have the experience, financial strength, and personalized service you can count on. As a client of Florida Home Funding, you will benefit from the personal attention and experience of our licensed mortgage professionals coupled with our wide range of competitive mortgage products.

  • Insight Credit Union
  • PO Box 4900, Orlando, FL, 32802
  • Insight Credit Union is a state-chartered credit union dedicated to improving the financial lives of those who live and work in the communities it serves. With 13 locations and more than 125 employees, Insight serves over 50,000 members in Orange, Seminole, Volusia, Osceola, Lake, Sumter, Citrus and Marion Counties.