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.
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