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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $310,900 | 0% | |
| FHA | $388,700 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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