USDA Vs. FHA your options comparison in Keystone-Heights, Clay County, FL
For 2026, the USDA loan limit in Keystone-Heights, Clay county, FL is $310,900, while for a single-family home, the FHA limit stands at $388,700.
Leverage the Lendersa® USDA loan calculator to compare current top rates between USDA and FHA loans, and evaluate the income, credit, reserves, and documentation needed to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping you determine which program within suits your financial situation best.
2026 Loan Limits and Downpayment Information for Keystone-Heights, Clay, FL
Loan Type
Loan Limit
Down Payment
USDA
$310,900
0%
FHA
$388,700
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Opportunities in Keystone-Heights, FL
At Lendersa®, our aim is to quickly and effortlessly connect you with the optimal USDA or FHA loan options. You can start with any of three pathways that guide you to matched lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA mortgages require no down payment.
Community State Bank has remained true to the dream of our founders: to provide quality service to the community in which we live and work. We are still going strong, and we hope to be there for every important phase of your life, from buying your first home, to starting your own business, to saving for retirement.
First Coast Community Credit Union is a full-service financial cooperative serving those who live, work, own businesses or attend school in Putnam, Flagler, and St. Johns Counties, Florida. Being a cooperative means we return our profits to our members through lower loan rates and higher dividends, giving financial advantages to our members.
At Florida Real Estate Lending we are a team of service oriented individuals who work hard, and are ready to do whatever it takes to secure your home loan. When you connect with us, you will be one step closer to your finance goals. A mortgage originator will be in touch & make this a process you will fully understand by discussing every with you.
101 E Town Pl, Suite 130, Saint Augustine, FL, 32092
Lends in Florida
The Home Harbor Financial Mortgage Team is your premiere mortgage team located in the oldest city in the nation, St. Augustine, Florida. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area.
113 Nature Walk Parkway Suite 105, Saint Augustine, FL, 32092
Lends in Florida
Countryplace Mortgage is a direct lender with both Fannie Mae and FHA. That means that we can offer you the most competitive rates, with down payments as low as 3.5%. When financing a manufactured, mobile, or modular home, it is important that you are working with a mortgage professional that understands these unique properties.
300 Kingsley Lake Dr Suite 402, Saint Augustine, FL, 32092
Lends in Florida
The Okavage Group, LLC is a licensed mortgage broker in Pennsylvania, New Jersey, Florida, and Colorado. Owned and Operated by Dan Okavage, working in the industry since 2002, with over 2000 closed loans and counting! Our office is located in St. Augustine, FL, but we can serve clients in all states that we are licensed in- PA, NJ, FL, and CO.
52 TUSCAN WAY STE. 202 #237, Saint Augustine, FL, 32092
Lends in Florida
"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.
We're a credit union, a not-for-profit financial institution proudly serving our community and members for over 60 years. Our members aren’t just customers, they’re owners. This means when you join Radiant Credit Union, you get a voice in how we do business. As a not-for-profit cooperative, we return our profits to our member-owners.
2210 NW 40th Terr, Suite A, Gainesville, FL, 32605
Lends in Florida
The loan process for a new home can be overwhelming. Because our team has experience working every job along every step of the loan application and approval, we are able to simply the process for both homeowners and REALTORS. Our team has decades of experience and holds a high standard of communication through every step of the process.
