In 2025, the USDA loan limit for Mary-Esther, situated in Okaloosa County, FL, is $353,200, while the FHA limit for a single-family home is $441,600.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. Determine the necessary income, credit score, reserves, and required documents to qualify. Our enhanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options, helping you decide which program fits your financial situation best in Alabama.
2025 Loan Limits and Down Payment Requirements in Mary-Esther, Okaloosa, FL
Loan Type
Loan Limit
Down Payment
USDA
$353,200
0%
FHA
$441,600
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Mary-Esther, FL
The objective of Lendersa® is to provide you with the best USDA or FHA loans quickly and effortlessly. Select one of three pathways to connect with appropriate lenders and explore USDA loan programs.
USDA home loans, backed by the Department of Agriculture, are also referred to as USDA rural development loans or mortgages and are exclusively available in rural locales. Unlike FHA loans that demand a 3.5% down payment, USDA loans require none, offering a zero-down option for eligible buyers in rural areas.
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