USDA Vs. FHA Pro and Con comparison in Lake-Clarke-Shores, Palm Beach County, FL

In 2025, USDA loan limit in Lake-Clarke-Shores, county of Palm Beach, FL is $322,000 while FHA limit is $402,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lake-Clarke-Shores, county of Palm Beach, FL

Loan Type Loan Limit Down payment
USDA $322,000 0%
FHA $402,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Lake-Clarke-Shores, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Prime Rate Mortgage
  • 3939 Sapphire Palladium Dr, Boynton Beach, FL, 33436
  • "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 the best products to fit their financial profile. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • The Mortgage Firm
  • 319 A East Woolbright Road, Boynton Beach, FL, 33435
  • The Mortgage Firm is a mortgage lending company in its 21st year, with its corporate headquarters located in Altamonte Springs, FL. We specialize in home mortgage lending on residential properties. Over the past 5 years alone, we've helped over 10, 000 people finance their dream home. We communicate with you every step of the way.
  • The Borrowing Club
  • 420 W. Boynton Beach Blvd, Boynton Beach, FL, 33435
  • We offer a consulting, advisory and assistance program for a select group of people meeting certain minimum credit/financial criteria in which we provide consulting, advice and assistance in the areas of unsecured no collateral personal and business loans. There are no up-front fees. We have a very detailed Consultant Service Agreement between us
  • Streamline Financial Group, Inc.
  • 1240 South Federal Highway, Boynton Beach, FL, 33435
  • Streamline Financial Group, Inc. is a premier provider of creative financial solutions for various lending needs. Drawing upon a background of over 17 years in the industry, we have the ability, expertiese and experience to fund every type of financing request, from the mundane, to the exotic. Products range.
  • RSI Asset Management
  • 801 Park Avenue, Lake Park, FL, 33403
  • RSI Asset Management LLC was formed in response to requests for due diligence consultation and loss mitigation services on non-performing residential and commercial mortgage debt in Florida. RSI currently represents over 500 non-performing loans owned by private equity firms and hedge funds or in partnership as principals with local investors.
  • Intrepid Lending Solutions Inc
  • 9112 Alt A1a, Suite 209, West Palm Beach, FL, 33403
  • Intrepid Lending Solutions Inc. will tailor your loan to meet your specific financial situation. We provide a number of services to address your need for an affordable mortgage such as: addressing your credit challenges, recommending Home Buyers Education Courses, provide Mortgage Readiness Planning, Assess and Pre-approve you for a mortgage Loan
  • Rhino Funding Inc.
  • 600 Sandtree Drive, Suite 204 Palm Beach, West Palm Beach, FL, 33403
  • Rhino Funding Inc. 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.
  • Three Star Capital
  • 6615 W Boynton Beach Blvd #415, Boynton Beach, FL, 33437
  • 3 Star Capital has over 20 years of experience in the finance industry.With an expertise in commercial real estate acquisitions & refinancing, & equipment leasing & financing.Our portfolio also includes: business lines of credit, & SBA business loans.We started out in 1997 with an expertise in equipment leasing & commercial real estate financing.
  • Velocity Community Credit Union
  • 2801 PGA Boulevard, Palm Beach Gardens, FL, 33410
  • Velocity Community Credit Union is a progressive, full service financial institution that is passionate about helping its members. As a not-for-profit co-op, our dedicated employees can concentrate on providing superior service to our members while offering a full suite of products to meet all of their financial needs.
  • New Florida Mortgage LLC
  • 800 Village Square Crossing, Suite 322, Palm Beach Gardens, FL, 33410
  • New Florida Mortgage is a mortgage powerhouse! Our principals began this journey a couple decades ago and have grown this operation due to excellent relationships with our clients and professional business contacts. We started out small, with just a couple of people and a small office, but today we aspire to greater things.
  • Dockside Loans LLC
  • 11952 Catalpha Avenue, Palm Beach Gardens, FL, 33410
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Highlands Residential Mortgage, Ltd.
  • 300 Village Square Crossing Suite 101, Palm Beach Gardens, FL, 33410
  • Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally