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

In 2025, USDA loan limit in Melbourne, county of Brevard, 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 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%

USDA and FHA loan options in Melbourne, 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?



  • Lynx Mortgage Bank LLC
  • 143 Post Avenue, Westbury, NY, 11590
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  • New York Community Bank
  • 615 Merrick Ave, Westbury, NY, 11590
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  • 1600 Stewart Ave, Suite 701, Westbury, NY, 11590
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  • Mid-Island Mortgage Corp
  • 900 Merchants Concourse Suite #112, Westbury, NY, 11590
  • Mid-Island Mortgage Corp. our borrowers never settle for just any home, any rate, or typical service. They expect the best and they get the best! This customer-centric culture stems from our 55 year heritage. We believe that our value proposition goes well beyond "the lowest rate"​ and, since we are highly competitive with our rates
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  • 3960 Hillman Avenue, Suite B, Bronx, NY, 10463
  • The Van Cortlandt Cooperative Federal Credit Union was organized by Sidney Stahl, the first Managing Director of the New York State Credit Union League, and was federally chartered in March 1936. Its purpose was to provide a safe and convenient place for Cooperators of the Amalgamated Housing, to save and borrow. Many of the charter members
  • Approved Funding
  • 41 Grand Avenue, River Edge, NJ, 07661
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  • Warren-Boynton State Bank
  • 702 West Illinois Street, New Berlin, IL, 62670
  • The mission of the Warren-Boynton State Bank is to serve its customers and communities by remaining a strong and stable community bank focused on providing high quality financial products and personal service and also Warren-Boynton State Bank marked 140 years of service as a locally owned and independent community bank.
  • Community State Bank
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  • CMC-FCPI Employees Federal Credit Union
  • 415 Colfax Avenue, Scranton, PA, 18510
  • The CMC Employees FCU was established in 1975. On January 1, 1991 FCPI FCU merged with CMC Employees FCU creating CMC-FCPI Employees FCU. Our field of membership includes: employees, doctors, medical staff, and technicians of the Geisinger Community Medical Center who work in Scranton.