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

In 2026, the USDA loan limit in Micco, located in Brevard county, FL, is $336,500, whereas the FHA limit for a single-family home is $472,030.

With the Lendersa® USDA loan calculator, compare the top rates for USDA and FHA today, and learn the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA side by side, guiding you to the best program for your financial strategy in .

Check loan offers from 100 lenders

2026 Loan Limits and Down Payment in Micco, 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 Micco, FL

Lendersa® aims to provide the best USDA or FHA loan swiftly and hassle-free. Choose from three initial steps to connect with lenders and explore USDA loan options.

Lendersa USDA loan request and matching outcomes

What Is a USDA Loan in FL?

A USDA home loan is backed by the government’s Department of Agriculture, also known as the USDA rural development loan. It is tailored for rural neighborhoods. Unlike FHA loans requiring a 3.5% down payment, USDA mortgages are available with no down payment.

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



Micco Lenders

  • MANNING FINANCIAL GROUP, INC
  • 9412 N US Highway 1, Sebastian, FL, 32958
  • Lends in Florida
  • We're a full service Florida Mortgage Company with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to USDA, VA and FHA mortgages. We have access to a full range of mortgage programs and all of our Florida mortgage specialists are dedicated to finding the right loan-with the best rates

  • Nationwide Quick Loan, Corp
  • 291 Awin Cir. SE, Palm Bay, FL, 32909
  • Lends in Florida
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Harmony Mortgage Inc
  • 6050 Babcock Street, Suite 27, Palm Bay, FL, 32909
  • Lends in Florida
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Firehouse Mortgage Products
  • 970 ATZ Road, Malabar, FL, 32950
  • Lends in Florida
  • Firehouse Mortgage makes it simple to apply for your home loan. This simple process can be conducted by phone or by submitting a form using the online Approval Request. You will then be contacted by Brennan Kelley for further information. The loan application can be taken over the phone, and your loan approval

  • Marine Bank & Trust
  • 571 Beachland Blvd, Vero Beach, FL, 32963
  • Lends in Florida
  • Marine Bank & Trust As a true community bank, we are committed to the success of the community, its residents and its businesses. All Marine Bank employees live in the local area and Marine Bank directors are actively involved in being a resource to help our communities grow and prosper.

  • Speedy Holdings
  • 930 S. Harbor City Blvd, Melbourne, FL, 32901
  • Lends in Florida
  • Speedy Holdings

    Fast, reliable growth

    Speedy Holdings (speedyhg.com) helps owners and partners turn ideas into scalable success with smart holdings and hands-on management. Expect responsive communication and measurable momentum. Ready to accelerate your next move? Email Virgilh@speedyhg.com.

  • Dyer Mortgage, a Division of Primary Residential Mortgage, Inc.
  • 10 S Harbor City Blvd, Melbourne, FL, 32901
  • Lends in Florida
  • Dyer Mortgage Group was founded by Bobbie Dyer, a Veteran Mortgage Banking professional with over 28 years’ experience. Our philosophy is to give our clients world-class customer service combined with the best rates, terms, and programs to meet their individual needs. We love to serve those who serve our community.

  • Commercial Capital, Ltd. FL
  • 100 Rialto Place, Suite 760, Melbourne, FL, 32901
  • Lends in Florida
  • Commercial Capital Ltd., FL is a direct private/bridge money lender and a one-stop shop for your commercial loans, including real estate mortgages, SBA business loans, fast business loans and more. We are originators for several of our own funds, and our extensive network of over 300 affiliate investors includes banks, REIT's, private equity funds.

  • Obsidian Financial Services
  • 907E. Strawbridge Ave Suite 101/102, Melbourne, FL, 32901
  • Lends in Florida
  • "Obsidian Financial, we are believers in speed without compromising quality which is why we try and get you to speak directly to one of our highly trained Loan Originators. We offer an experience that will set the industry standard, by allowing you to personally know the Loan Originator.
    "