USDA Vs. FHA Pro and Con comparison in Mount-Dora, Lake County, FL

In the year 2025, the USDA loan limit in Mount-Dora, located in the county of Lake, FL, is set at $285,000. Meanwhile, for a single-family home, the FHA limit is defined at $356,362.

Take advantage of Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. This tool helps ascertain the income, credit standing, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program tailored to meet your financial aspirations in .

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2025 Loan Limits and Down Payment Requirements in Mount-Dora, Lake, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Available USDA and FHA Loan Options in Mount-Dora, FL

The primary mission of Lendersa® is to efficiently secure you the best USDA or FHA loan without undue delay. Select any of the three starting options to pair up with compatible lenders and available USDA loan programs.

  1. Submit a fully optimized USDA/FHA loan request
  2. Assess USDA and FHA rates & terms first
  3. Browse through the comprehensive USDA loan lender database
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Understanding USDA Loans in FL

A USDA home loan is a government-guaranteed loan through the Department of Agriculture, typically known as a USDA rural development loan or USDA mortgage. This type of loan is exclusively available in rural terrains. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans offer zero down payment, providing a cost-effective pathway to homeownership in rural communities.

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