USDA and FHA Pro and Con in Laguna-Beach, Bay County, FL
In 2026, a USDA loan in Laguna-Beach, within Bay County, FL, is limited to $285,000. In comparison, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, determining the necessary income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA side by side, assisting you in selecting the optimal program for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in Laguna-Beach, Bay, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Laguna-Beach, FL
The primary objective of Lendersa® is to deliver the best USDA or FHA loans swiftly and without complications. Start from one of the three options to connect with lenders and explore USDA loan offerings.
A USDA home loan, guaranteed by the Department of Agriculture, also recognized as the USDA rural development loan or mortgage, is exclusive to rural areas. In contrast to FHA loans that demand a minimum down payment of 3.5%, USDA loans do not require any down payment, offering a significant advantage for eligible borrowers in rural regions.
Forward Financing is a Boston-based financial technology company that provides fast, flexible working capital to small businesses nationwide. Our dedicated account representatives and advanced proprietary technology help our customers spend less time finding capital and more time growing their business.
Boston Private We bring together a full spectrum of wealth, trust and banking services to give you the one trusted resource you need to simplify and strengthen your financial life. and also Boston Private is a bank with operations in four states. Boston Private offers numerous mortgage programs including conventional, jumbo, non-owner occupied, Hom
236 Commercial Street, Suite 100R, Boston, MA, 02109
Tim Lacyk, dove head first into the mortgage industry some 15 years ago. Originally hired as a Loan Closer (coordinates with Title the closing process the final loan figures, balances, and wires the money to closing), he also moved through a variety of roles after that, including post-closing management.
8 Faneuil Hall Marketplace 3rd fl, Boston, MA, 02109
Investors Choice Lending is a private hard money lender offering Boston’s real estate investors a unique opportunity to secure the funds they need. When you’ve got eyes on your next investment property, there’s nothing you want more than to close quickly and without hassle.
We’ve aligned ourselves with many National lending resources.
Our purpose is to make a positive impact on our customers, employees, and communities. We try to do this by actively practicing our values every single day. We also have a dedicated focus on building relationships with our customers. We want what\ u2019s best for YOU; you\ u2019re our #1 priority.
Eagle Bank is a full service financial institution offering a broad range of financial services to individuals and businesses. Whether you need security in your checking account, a place to save your money for a rainy day or assistance in purchasing a new car, boat or home, Eagle Bank can help with our full line of banking services.
Winchester Savings Bank is an equal opportunity employer, and all qualified job applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Incorporated in 1834, When it was first incorporated, the Bank did not have a permanent building and we accepted deposits at David Harding’s general store on North Street in Hingham. Although we have long since outgrown the general store, we have not outgrown our focus on community, family, and local businesses.
Established 1993 Heritage Mortgage Company, Inc. enjoys a reputation for superior service and financial expertise. Whether you are buying your first home, trading up or looking to refinance your existing mortgage, we are here to help you meet your specific mortgage financing goals.
Cutter Hill Capital is a private real estate lender focusing on loans for short-term real estate investment projects in the greater New England region and select national markets.Our company was founded in 2018 by principals who have been involved in over 1,000 real estate loan transactions.
