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.

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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?



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