USDA Loan Vs. FHA loan for Key-West, FL [Monroe County Rates 2023]

In 2025, USDA loan limit in Key-West, county of Monroe, FL is $0 while FHA limit is $608,350 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Key-West, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(201) 452-2708 1206 miles Lender's profile and map Reviews HIGH QUALITY MORTGAGE, LLC 271 Route 46 West Suite H202-203, Fairfield, NJ, 7004 High Quality Mortgage, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
(201) 247-7030 1206 miles Lender's profile and map Reviews CAPITAL FIRST MORTGAGE LLC 277 Fairfield RD Suite 104, FAIRFIELD, NJ, 7004 Capital First Mortgage LLC is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter
(570) 602-7400 1206 miles Lender's profile and map Reviews Highway Federal Credit Union 405 Laurel Street, Hughestown, PA, 18640 Highway Federal Credit Union. Although our services are similar to a bank, our philosophy is quite different. As a member-owned, non-profit financial institution, our credit union is run strictly for the benefit of our members. We strive to provide members with higher yields on savings and lower rates on loans.
(405) 743-3328 1206 miles Lender's profile and map Reviews Oklahoma Community Credit Union 311 E McElroy Road, Stillwater, OK, 74075 Oklahoma Community Credit Union is the only original Credit Union from Stillwater, OK. Oklahoma Community Credit Union was founded at Oklahoma State University in 1968. We have grown from a small room, open once a week in the Student Union, to two Stillwater locations and over 13, 000 members.
(574) 287-6161 1206 miles Lender's profile and map Reviews South Bend Firefighters Credit Union 1122 South Main Street, South Bend, IN, 46601 Our credit union Motto is “People Helping People.” We’re all working together to help each other. As member-owners, we all have a stake in the credit union’s success. The better our credit union does, the better you do. That’s the value of credit union membership. South Bend Firefighters Federal Credit Union was organized on October 1959.
(574) 234-1524 1206 miles Lender's profile and map Reviews Policemen's Federal Credit Union 1130 South Main Street, South Bend, IN, 46601 We proudly serve the law enforcement community of St. Joseph County, IN, membership with PFCU is available to others as well. By supporting local law enforcement with a minimal, one time membership fee to the Fraternal Order of Police Associates (FOPA), you too can become a member of Policemen's Federal Credit Union.
(574) 233-6773 1206 miles Lender's profile and map Reviews Centennial Mortgage, Inc. 218 W. Washington Street, Suite 900, South Bend, IN, 46601 Centennial Mortgage is a privately held results-driven lender providing proactive, end-to-end solutions exclusively for multi-family and healthcare owners/developers seeking HUD and USDA financing. Our approach is delivered with a high-touch level of customer service found only with a specialized lender.
(574) 255-3193 1206 miles Lender's profile and map Reviews TLCU Financial 1816 N Main Street, Mishawaka, IN, 46545 TLCU Financial has grown into a modern credit union that focuses on meeting our members’ needs. Now, all residents in LaGrange, Marshall, Elkhart and St. Joseph County can join TLCU Financial, or anyone with a family member with an existing TLCU account. Employees from our Select Employee Groups can also become members.
(574) 239-2700 1206 miles Lender's profile and map Reviews CommunityWide Federal Credit Union 1555 W Western Avenue, South Bend, IN, 46619 CommunityWide Federal Credit Union was founded in September of 1967 as the West Washington Association Federal Credit Union. It was established with the primary purpose of providing high value financial services to persons of modest means in the near west side of South Bend, including financial counseling and education.
(973) 577-4226 1206 miles Lender's profile and map Reviews The Capital Lenders 428 Upper Mountain Ave, Montclair, NJ, 07043 The Capital Lenders Money is the lifeblood of business, and you need someone you can trust to help you with the financing and working capital necessary to keep your company afloat. At The Capital Lenders, we are nationally recognized for our resources and commitment to finding customized solutions for our customers’ commercial finance needs.
(570) 693-0500 1207 miles Lender's profile and map Reviews UFCW Community Federal Credit Union 377 Wyoming Avenue, Wyoming, PA, 18644 UFCW Community Credit Union is a non-profit financial institution. Our financial services are offered with you as our first priority. As a member, you have access to a wide range of quality services and benefits. Our financial services are competitively priced and convenient. With all of your personal banking services all in one place.