USDA Vs. FHA Pro and Con comparison in Lady-Lake, Lake County, FL

In the year 2025, the USDA loan limit within Lady-Lake, located in the county of Lake, FL, stands at $285,000. Meanwhile, the FHA limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate today's leading rates between USDA and FHA. This tool helps you identify the income, credit, reserves, and document requirements for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, assisting you in determining which program is most beneficial for your financial situation in Alabama.

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Loan Limits and Down Payment Requirements for 2025 in Lady-Lake, Lake, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA Loan Opportunities in Lady-Lake, FL

The mission of Lendersa® is to secure the optimal USDA or FHA loan promptly and without any inconvenience. Choose one of the three initial steps to connect with suitable lenders and USDA loan programs.

USDA loan request and matching results by Lendersa

Defining USDA Loans in FL

A USDA home loan, backed by the U.S. Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage, is exclusively accessible in rural communities. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans do not require an initial down payment.

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



  • LoanUnitedcom LLC
  • 1770 Indian Trial Lilburn Road, Suite 300, Norcross, GA, 30093
  • Loan United, we specialize in FHA Home Loans, VA Home Loans for Veterans and Conventional Home Loans. Purchase a Home or Refinance your Mortgage. Reduce your interest rate, Consolidate Debt or Get cash out and also Services may not be available in all states or areas. Some products may not be available in all states or areas.
  • SHELTER HOME MORTGAGE, LLC
  • 1770 Indian Trail Lilburn Road NW, Suite 400, Norcross, GA, 30093
  • Shelter was founded in 1984 and has been originating loans in Georgia since 1993. We partner with real estate companies to offer you a convenient one-stop experience for your home buying and financing needs. Today, we are recognized as the industry leader in mortgage partnerships because we are experts in our business
  • Lenox Financial
  • 3525 Piedmont Rd NE, Atlanta, GA, 30305
  • Founded in Atlanta, Georgia in 1994 on 3 basic premises: (1) stellar customer service (2) a fiduciary relationship with the customer that had never existed before (3) eliminate closing costs. In order to accomplish these goals, Jon Shibley immersed himself in the intricacies of the mortgage business,
  • Piedmont Mortgage Corporation
  • 2900 Piedmont Road, Atlanta, GA, 30305
  • Since 1995 Piedmont Mortgage has been constantly innovating to provide you with the latest information and technology. Find out about our discounted rates for high credit scores, and loans with no points, origination or processing feesvating to provide you with the latest information and technology.
  • Atlanta Intown Mortgage Inc
  • 2575 Peachtree Road, Suite 302, Atlanta, GA, 30305
  • Atlanta Intown company offers the best mortgage tools available on the Internet. Count on us for easy and convenient online shopping for the best loan programs and the latest rates available. With the assistance of an experienced loan officer, you will be guided through the often challenging process of choosing the loan
  • AmeriSave Mortgage Corporation
  • 3525 Piedmont Rd NE, 8 Piedmont Center, Suite 600, Atlanta, GA, 30305
  • "AmeriSave Mortgage Corporation, NMLS ID #1168, is one of the largest privately owned online mortgage lenders in the country, with strong consumer direct, traditional retail and Third Party Origination (TPO) channels. AmeriSave.com was designed to make shopping for mortgages easy and straight forward."
  • RATECAPITAL INC
  • 2996 Grandview Ave. NE, Suite 305, Atlanta, GA, 30305
  • RateCapital is know that each customer has specific needs, so here at RateCapital, we strive to meet those specific needs with quality service and individual attention. We pride ourselves on our repeat customers which is a result of our level of service, rates and unbeatable, low closing costs.
  • STELLAR Mortgage Corporation
  • 3455 Peachtree Road NE, 5th Floor, Atlanta, GA, 30326
  • 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.
  • Charmaine Roberts & Associates LLC
  • 3355 Lenox Road, Suite 1000, Snellville, GA, 30326
  • Charmaine Roberts & Associates LLC mortgage broker with over 18 years experience in the mortgage industry. I've partnered with multiple lenders that finance good credit and credit challenged borrowers. Getting approved for a home loan is a multi layered qualification process I'll guide you through.