In 2026, the USDA loan limit for Lake-Mary, in Seminole county, FL, is $285,000, while the FHA limit is $356,362 for a single-family residence.
Utilize Lendersa® USDA loan calculator to compare the premier USDA versus FHA rates available today and determine the necessary income, credit score, reserves, and documents required for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding your decision about which program in aligns best with your financial situation.
2026 Loan Limits and Down Payment Requirements in Lake-Mary, Seminole County, 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 Loans in Lake-Mary, FL
Lendersa® aims to provide you with the optimal USDA or FHA loan quickly and efficiently. Opt for one of three starting points to find matching lenders and USDA loan programs tailored to your needs.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, a USDA mortgage requires none, offering a zero down payment option for eligible rural buyers.
Addition Financial is a member-owned, not-for-profit financial cooperative, offering comprehensive financial solutions that help members achieve their financial goals. We exist solely for the benefit of our members, and we return our profits to them in the form of lower loan rates, higher dividends on savings, and lower fees.
Oceans Lending Mortgage Lender in Lake Mary Orange County Sanford Oviedo
3098 W Lake Mary Blvd, 2nd Floor, Lake Mary, FL, 32746
Lends in Florida
Ocean’s mission is to become the mortgage industry standard by elevating customer relationships and service. Oceans’ corporate platform is built on high morals and ethics, honor and integrity. These are the reasons clients will be able to trust the information and service they receive is unsurpassed.
801 International Parkway, Suite 500, Lake Mary, FL, 32746
Lends in Florida
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 closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
1540 International Parkway, Suite 2000, Lake Mary, FL, 32746
Lends in Florida
Assure Home Funding gives you access to a large group of lenders, providing a variety of business capital advance options that can be tailored to fit your particular needs. We offer unique opportunities to secure the funding you need for your business, often when traditional lenders are not an option.
Emerald Mortgage Partners was established with one mission in mind: Making the tedious and complicated process of mortgage and lending simpler, easy to understand and straightforward. EFP also not only provides the knowledge and expertise during, but also after the sale, to ensure your loved ones and valuables are protected and secure.
Premier Home Funding, we serve our clients with old fashioned values: honesty, hard work, education, and service with enthusiasm. Our goal is to ensure a smooth process while providing excellence in each transaction. We want to make your dream home a reality and an investment that will benefit you and your family for many years to come
1337 S. International Parkway, Lake Mary, FL, 32746
Lends in Florida
CapitalPlus Mortgage have been providing mortgage origination, underwriting, and collateral review services in Florida for more than 25 years. We are a team of experienced professionals committed to providing counsel, education, cost efficiencies, product enhancements, and final results that are always in our Client’s best interest.
Atlantic Bay Mortgage Group® is a privately owned national mortgage lender headquartered in Virginia Beach, Virginia with over 800 associates and is licensed in 23 states and growing. Atlantic Bay has helped over 130,000 families find the home of their dreams Atlantic Bay has received several top recognitions.
581 Technology Park Suite 1001, Lake Mary, FL, 32746
Lends in Florida
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
