USDA Vs. FHA your options comparison in Lakeside, Clay County, FL

In 2026, the USDA loan limit in Lakeside, county of Clay, FL is set at $345,900, whereas the FHA limit for a single-family home is $526,700.

Utilize the Lendersa® USDA loan calculator to compare the best rates of today's USDA versus FHA options, and understand the income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, helping to identify the best program in Alabama for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Lakeside, Clay, FL

Loan Type Loan Limit Down Payment
USDA $345,900 0%
FHA $526,700 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Lakeside, FL

The goal of Lendersa® is to efficiently secure the best USDA or FHA loan for you without hassle. Choose from three starting points to be matched with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, known as a USDA rural development loan, is guaranteed by the Department of Agriculture. This loan type is intended only for rural areas. Unlike FHA loans, which require a 3.5% down payment at minimum, there is no down payment required with a USDA loan.

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



  • Coastline Home Mortgage
  • 8011 Philips Highway, Suite 1, Jacksonville, FL, 32256
  • Coastline Home Mortgage, LLC is located in Jacksonville, FL, United States and is part of the Nondepository Credit Intermediation Industry. Coastline Home Mortgage, LLC has 6 total employees across all of its locations and generates $1.19 million in sales (USD). (Sales figure is modelled). There are 4 companies in the Coastline Home Mortgage.

  • Sawgrass Mortgage Corporation
  • 10151 Deerwood Park Boulevard, Suite 300, Jacksonville, FL, 32256
  • Sawgrass Mortgage Corporation was founded in 2018. The key to our success has been a combination of consistently offering the lowest possible rates to mortgage clients and above all, providing those clients with outstanding customer service. Servicing our clients with honesty and integrity is something that we take great pride in doing.

  • American Home Funding Inc
  • 5150 Belfort Rd, Suite 200, Jacksonville, FL, 32256
  • We specialize in new construction requirements for Conventional, FHA, VA and Rural Housing programs. We provide Jacksonville’s builders and realtors with the latest in mortgage financing programs and the excellent service we’ve become known for. We work with local and national banks to bring the best of their loan options to our clients.

  • RE FINANCIAL SERVICES, INC.
  • 4651 Salisbury Road, Ste. 400, Jacksonville, FL, 32256
  • RE Financial Services Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • The Ken Phillips Team @ ALCOVA Mortgage
  • 8647 Baypine Road, Suite 203, bldg. 1, Jacksonville, FL, 32256
  • ALCOVA Mortgage LLC | NMLS#40508 | (www.nmlsconsumeraccess.org) Licensed in AL, CO, DC, FL, GA (License #42101), KY, MD, NC, OH, PA, SC, TN, VA, WV | 308 Market St SE, Roanoke, VA 24011
    We take the hassle out of homebuying so you can get back to focusing on what matters most! Life moves fast, and so do you.

  • HOME HARBOR FINANCIAL, LLC
  • 101 E Town Pl, Suite 130, Saint Augustine, FL, 32092
  • The Home Harbor Financial Mortgage Team is your premiere mortgage team located in the oldest city in the nation, St. Augustine, Florida. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area.

  • Countryplace Mortgage
  • 113 Nature Walk Parkway Suite 105, Saint Augustine, FL, 32092
  • Countryplace Mortgage is a direct lender with both Fannie Mae and FHA. That means that we can offer you the most competitive rates, with down payments as low as 3.5%. When financing a manufactured, mobile, or modular home, it is important that you are working with a mortgage professional that understands these unique properties.

  • The O’Kavage Group
  • 300 Kingsley Lake Dr Suite 402, Saint Augustine, FL, 32092
  • The Okavage Group, LLC is a licensed mortgage broker in Pennsylvania, New Jersey, Florida, and Colorado. Owned and Operated by Dan Okavage, working in the industry since 2002, with over 2000 closed loans and counting! Our office is located in St. Augustine, FL, but we can serve clients in all states that we are licensed in- PA, NJ, FL, and CO.

  • FIRST COAST LOANS
  • 52 TUSCAN WAY STE. 202 #237, Saint Augustine, FL, 32092
  • "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.

  • Jacksonville Firemen's Credit Union
  • 2205 Haines Street, Jacksonville, FL, 32206
  • Jacksonville Firemen’s Credit Union was established in 1933 to serve our members financial needs. The credit union is a not-for-profit financial cooperative that encourages thrift and provides credit at competitive rates. The credit union is owned and operated by its members. Each member has an equal vote regardless of account balance.

  • Jacksonville Postal & Professional Credit Union
  • 1820 Rogero Rd, Jacksonville, FL, 32211
  • Jacksonville Postal & Professional Credit union was formed in 1929 by a small group of 12 postal employees. Our credit union has a long and distinguished history, steeped in the philosophy that credit unions are founded on.The credit union was originally chartered, on October 15, 1929 & was the first state chartered credit union in the state of FL.