USDA Vs. FHA Pro and Con comparison in Lockhart, Orange County, FL

In 2025, USDA loan limit in Lockhart, county of Orange, FL is $336,500 while FHA limit is $472,030 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 Lockhart, county of Orange, FL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Lockhart, 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?



  • King Financial Group Inc.
  • 2600 Highland Village Pkwy, Suite 100, Village, TX, 75077
  • King Financial Group, Inc. is a residential mortgage company specializing in loans that will meet most families’ needs. We believe in providing the best service, products, and follow-through as if you are a part of our family. King Financial Group was established in 1992 by Kathy King with the desire to treat customers with respect
  • Griffith Institute Employees Federal Credit Union
  • 64 E Main Street, Suite 3, Springville, NY, 14141
  • The Griffith Institute Employees Federal Credit Union was established in 1961 by a group of teachers employed by the Griffith Institute Central School District. The Credit Union was created to allow the employees of the school district access to savings and loan accounts. In 2002, GIEFCU’s field of membership was expanded to include employees.
  • ValueBank Texas
  • 3649 Leopard Street, Corpus Christi, TX, 78408
  • We are proud of who we are and our communities where we bank and work. ValueBank Texas is an independent, locally owned community bank that has been serving our customers since 1967. We like to say that we are in the “people business” and there is no business more important to us than your business. We call our customers friends. Our driving force
  • CBI Federal Credit Union
  • 13717 S Route 30, Unit 157, Plainfield, IL, 60544
  • CBI Federal Credit Union is a Federal Credit Union with 2 branches, assets of $18,174,185 that is headquartered in Plainfield, IL. CBI Federal Credit Union is chartered by the National Credit Union Association (NCUA) to serve the employees of CB&I Company, its wholly owned subsidiaries and their family members.
  • Abri Credit Union
  • 1350 Renwick Rd, Romeoville, IL, 60544
  • Abri Credit Union is a community based financial institution headquartered in Romeoville, IL. There are community branches located in Frankfort, Joliet, Lockport, Plainfield, and Woodridge. There are also branches with limited access located at Argonne National Laboratory, Fermi National Laboratory, and the Joliet Township High Schools.
  • Oak Leaf Community Mortgage
  • 24252 W. Main Street, Plainfield, IL, 60544
  • We focus on providing our customers purchase and refinance options that fit their needs. We specialize in home purchase, refinance, rehabilitation and new constructions loans. We have the ability to lend in 46 states and would love the opportunity to help you find a solution that fits your needs.
  • RDS Mortgage Corporation
  • 14722 South Naperville Road, Unit 104, Plainfield, IL, 60544
  • RDS Mortgage Corporation, 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.
  • The Bally Team
  • 1050 Wilshire Dr, Suite 191, Troy, MI, 48042
  • The Bally Team, is a team of experts who partner with our realtors to help make sure you get put in the program/home you’ve been dreaming of. We master in all Purchase loans and Refinance loans. We offer the best debt consolidation programs around to make sure you set yourself up for the future
  • Tribute Home Lending LLC
  • 615 Wilcox St, Rochester, MI, 48307
  • At Tribute Home Lending LLC, we help our clients obtain the best mortgage terms, whether for the purchase of a new home or refinancing an existing home. We are partnered with the nation's best lenders, & we take pride in fast & efficient closings. We have flexible hours, which means you can communicate with us outside of the normal business ho