USDA and FHA Pro and Con in Melbourne, Brevard County, FL

As of 2025, the USDA loan limit for Melbourne, in Brevard County, FL, is set at $336,500, while for FHA loans, the limit is $472,030 for a single-family home.

Utilize Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator enables a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting your decision on which program in best fits your financial situation.

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2025 Loan Limits and Down Payment Requirements in Melbourne, County of Brevard, FL

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

Exploring USDA and FHA Loan Options in Melbourne, FL

The mission of Lendersa® is to efficiently connect you with the best USDA or FHA loan choices, without hassle. Initiate with one of the three starting points to match with lenders and find suitable USDA loan programs.

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Understanding USDA Loans in FL

A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages have no down payment requirement, offering a formidable option for eligible buyers looking for economical financing solutions in designated rural zones.

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



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  • 2825 Wilcrest Dr, Suite 570, Houston, TX, 77042
  • Pinnacle Mortgage Company is a private commercial real estate lender based in Houston, Texas specializing in small balance commercial real estate loans. When the company was founded in 1992, its original focus was as an intermediary in arranging debt and/or equity for all types of real estate across the United States.
  • Capital Concepts
  • 11200 Westheimer, Suite 150, Houston, TX, 77042
  • "Trying to find the right home loan can be difficult. Finding the right company to help you get your loan can be even more confusing. With literally thousands of lenders to choose from, borrowers can easily become overwhelmed. Fortunately, at Capital Concepts, our mission is to set a high standard in the mortgage industry. "
  • Indirect Lending Services
  • 2923-A Youngstown Rd. SE, Warren, OH, 44484
  • Our goal at Indirect Lending Services is to protect and maintain a well-balanced indirect loan portfolio for your credit union. With over 30 years of experience in the indirect industry we know best how to deal with each unique dealer and get you the highest quality loans. Indirect Lending Services​ works closely with dealers
  • Family Finance Mortgage
  • 1787 Jeffco Boulevard, Arnold, MO, 63010
  • Our mortgage professionals give you the individual service you deserve and treat you right. You are making a commitment in buying a house, refinancing a mortgage, or tapping into your home equity. So in turn, we make a commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.
  • Commercial Mortgage Associates Inc.
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  • Commercial Mortgage Associates Inc. was founded by Gary Ambrosi in 1989 as a commercial mortgage brokerage company helping business owners and investors finance small to mid-size commercial real estate. Since, Commercial Mortgage Associates has become highly respected in the commercial lending industry that investors can rely on, and yet.
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  • PrimeSourceMTG.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Prime Source Mortgage is a licensed Mortgage Broker licensed by NJ Dept. of Banking and Insurance. We do not issue mortgage commitments or fund mortgage loans.
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  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Transformation Home Loans LLC
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  • 6126 Hamilton Blvd, Suite 100, Allentown, PA, 18106
  • First Commonwealth is a consumer-friendly alternative to banking. We offer all the services you're accustomed to, but at better rates and lower fees. That's because we're structured differently than banks. Banks are in business to earn profits for their stockholder investors. Our credit union exists to improve your financial well being.