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

In 2025, 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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2025 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?



  • Bridgeport Capital Services Inc
  • 5541 N. University Drive, Suite 101, Coral Springs, FL, 33076
  • Bridgeport Capital Services wants to be your factoring company, a goal our account executives support by standing ready to serve you at a moment’s notice. From providing immediate cash for payroll funding and business growth, to monitoring your accounts receivable to keep them current and flowing.
  • Capital Group Funding
  • 11263 NW 51st St, Coral Springs, FL, 33076
  • On time, stress free closings. Always. Whether you are purchasing your first home or are a seasoned home buyer, let me handle your transaction with professionalism and timely communication. You deserve it. Home financing simplified. Let my experience guide you. Always available to speak with you.
  • Elite Lending Solutions Incorporated
  • 5850 Coral Ridge Drive, Pompano Beach, FL, 33076
  • At Elite Lending Solutions, Incorporated, 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
  • AAA Financial Corporation
  • 8811 S Miralago Way, Parkland, FL, 33076
  • AAAFinancial.com has been helping homeowners with their mortgages since 1989. We find you the right mortgage for the lowest cost! How? We have wholesale agreements with many of the largest lenders ( like those you see everyday on TV!). By keeping our overhead low we can pass the savings on to you!
  • Jet Direct Mortgage
  • 7401 Wiles Road, Suite 212, Pompano Beach, FL, 33076
  • At Jet Direct Mortgage, 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.
  • The Discount Mortgage Store
  • 7452 champagne pl, Boca Raton, FL, 33433
  • We Finance every type of Residential and Commercial Mortgage in the USA. The The Discount Mortgage Store Team is your premier mortgage team located in Boca Raton, 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.
  • Commercial Capital Loan Network
  • 5970 SW 18 St, Unit 133, Boca Raton, FL, 33433
  • Commercial Capital Loan Network lends in all 50 states and internationally. We ensure top-notch solutions in products or service you, including loans for multifamily apartments, retail, senior housing, hard money loans, bridge finance, commercial RE mortgage products, non-RE small business loans, and more. We have a strong network of multiple niche
  • Oceanside Lending LLC
  • 7280 West Palmetto Park Road, Suite 201N, Boca Raton, FL, 33433
  • We help clients achieve the American Dream of Homeownership while going the extra mile to make the process smooth efficient & explained. Feel the difference of a Concierge Lending Experience that combines technology with efficiency. Whether you’re buying, selling, refinancing, building your dream home you have a lot riding on your loan officer.
  • MJS Financial LLC
  • 22140 Primrose Way, Boca Raton, FL, 33433
  • We are a small brokerage with over sixteen years of experience as a licensed mortgage brokerage. Being a small brokerage we have lower overhead and more control over what we can do for you.brokerage with over sixteen years of experience as a licensed mortgage brokerage. We can help you get approved for mortgages and refinancing.
  • MCS Mortgage Services Inc
  • 7000 West Palmetto Park Road, Suite 210, Boca Raton, FL, 33433
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide our clients with the best loan product to fit their needs while providing them with the lowest payment and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Intercontinental Capital Group, Inc.
  • 7700 W Camino Real 4th Floor, Suite 400, Boca Raton, FL, 33433
  • ICG is a direct lending mortgage bank specializing in home financing for one to four family residential properties.ICG is licensed by the U.S. Department of Housing & Urban Development as a Title II Mortgagee to be able to offer government insured Federal Housing Administration Home Loans as well as standard Conventional Financing for its clients.