USDA VS FHA in Madison, Madison County, FL

In the year 2025, the USDA loan limit for Madison in the county of Madison, FL, stands at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess today's best rates between USDA and FHA loans. Determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial needs in .

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Loan Limits and Down Payment Requirements for 2025 in Madison, Madison, FL

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

Options for USDA and FHA Loans in Madison, FL

The goal of Lendersa® is to swiftly provide you with the most suitable USDA or FHA loan without hassle. Choose one of three initial options to connect with matching lenders and explore USDA loan programs.

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Understanding USDA Loans in FL

A USDA home loan is guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans that need a minimum of 3.5% down payment, USDA loans require no down payment at all.

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



  • Virginia National Bank
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  • Virginia National Bank opened in Charlottesville, VA in July 1998 with more than 900 local shareholders. As a true community bank, we not only meet the needs of our community, but we are also a part of its growth The VNB story continues to unfold. As we continue to grow, we will never lose sight of the critical ingredients to our continued success.
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  • Blue Ridge Bank is a leading community Bank that supports families and businesses through a wide range of financial services including retail and commercial Banking, payroll, insurance, card payments, wholesale and retail mortgage lending, and government-guaranteed lending. The Bank also provides investment and wealth management services
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  • First Bank, an entity of Southern Illinois Bancorp, Inc. headquartered in Carmi, Illinois, has been serving businesses and families in Southeast Illinois and Southwest Indiana since 1893. We represent a return to the old-fashioned way of banking, where the staff knew everyone by name and treated you like a person instead of a number.
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