USDA and FHA Pro and Con in Laguna-Beach, Bay County, FL
In 2025, 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.
2025 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.
1100 Holly Springs Road, Suite 203, Holly Springs, NC, 27540
Sunset Lake Mortgage is a mortgage broker serving the Raleigh-Durham area and entire state of North Carolina with a small boutique type service experience. Steve’s success has resulted from a combination of his customer service excellence and consistently offering mortgage solutions that save his client’s money due to low margins and overhead.
Bank of the Mountains opened its doors in September 1973. As one of the few family-owned banks left in our state, we understand that relationships matter & strive daily to ensure that our customers are treated right.Nothing is more important to us than our customers feeling they have a partner they can depend on to accomplish their financial goals.
First Federal Bank headquartered in Dunn, North Carolina is a community bank with 6 locations in eastern North Carolina. First Federal provides corporations, businesses and consumers with a full range of innovative banking and financial solutions.
Our services and products include commercial.
Stock Yards Bank & Trust Company, which was established in 1904 in Louisville, KY and now has offices in the Louisville, Indianapolis, Cincinnati & Central/Eastern Kentucky metropolitan markets. In addition to its banking operations, Stock Yards Bank & Trust Company offers a broad array of other financial services.
AgriFinancial (AgFi), a subsidiary of CGB Enterprises, is a leading provider of capital to farmers across the United States. Based in Louisville, Kentucky, AgFi provides loans and leases to help farmers own land, operate their farms and make improvements. As a subsidiary of CGB Enterprises, we are a sister organization to Consolidated Grain
Based in Louisville, Kentucky, Limestone Bank provides commercial, equine, agricultural and personal banking solutions for individuals in urban and rural areas. With more than 110 years of building relationships across the Commonwealth, Limestone Bank strives to serve as the bedrock for our customers’ financial futures.
1630 Lyndon Farm Court, Suite 201, Louisville, KY, 40223
The Rural Cooperatives Credit Union is a member-owned, federally insured financial institution. Our mission is to assist member-owners in realizing personal financial success by providing competitive, value-oriented products and services delivered with excellent member service and convenience.
KIT Federal Credit Union ("KIT") is a member-owned, not-for-profit financial institution that exists to provide superior financial products to our member-owners and their families. KIT was chartered in 1965 with the field of membership of the employees of A&P grocery stores located in Kentucky, Indiana, and Tennessee. We began in a one-room office.
Originally chartered in 1969 as a credit union to serve the Jefferson County Police and then the employees of Jefferson County Government, we became Jefferson County Federal Credit Union, serving the employees of the Louisville - Jefferson County Metro Government as well as the employees.
Pathway Mortgage LLC works diligently to provide a concierge experience to our clients. Pathway is also dedicated to making sure our clients always receive the most current and accurate advice by hiring most talented and motivated mortgage loan officers in the business that Pathway Mortgage LLC strives to make you a client for life.
