As of 2025, the USDA loan limit in Melbourne-Beach, located in Brevard, FL, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare current USDA and FHA rates. Determine the necessary income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to rapidly connect you with the best USDA or FHA loans, hassle-free. Start by selecting one of three paths leading to matching lenders and USDA loan programs.
Guaranteed by the Department of Agriculture, a USDA home loan is also known as a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, it differs from FHA loans that require at least a 3.5% down payment, as USDA loans have no such requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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