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.
Compare loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $345,900 | 0% |
| FHA | $526,700 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
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?
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