USDA VS FHA in Juno-Beach, Palm Beach County, FL

In 2026, USDA loan limits in Juno-Beach, within Palm Beach, FL, are set at $322,000. Conversely, the FHA limit for a single-family home is $402,500.

Lendersa® provides a USDA loan calculator to evaluate today's best USDA and FHA rates, aiding your decision-making by determining the necessary income, credit score, reserves, and documentation needed for qualification. Our mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, identifying the program most suitable for your financial situation in .

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Current 2026 Loan Limits and Down Payment Requirements in Juno-Beach, 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 Juno-Beach, FL

Lendersa® aims to connect you with the best USDA or FHA loan options with speed and ease. Begin by choosing one of three starting options to align with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan is backed by the government's Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.

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



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  • "DoHardMoney provides financing for Real Estate Investors, including new investors. Our funding options can be used for single family residence fix and flip investments, as well as home refinances. We fund loans within 5-14 business days, and we offer loans for up to 8 months with no payments for up to 6 months. "
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  • We take pride in enabling individuals and families to take the major life step of purchasing a home. If you are unable to purchase a home because of insufficient funds for a down payment and closing costs, we are here to help you explore all your State and Federal funding options. We’ve got your back!
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