USDA Vs. FHA your options comparison in Navarre, Santa Rosa County, FL

In 2025, USDA loan limit in Navarre, county of Santa Rosa, 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 Navarre, county of Santa Rosa, 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 Navarre, 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?



  • Nymeo Federal Credit Union
  • 5210 Chairmans Court, Frederick, MD, 21703
  • Nymeo is a cooperative, not-for-profit credit union dedicated to personalized services for its members. If you live, work, worship, attend school or conduct business in Frederick County Maryland, you are welcome to become a member! Since we are a nonprofit, we have members NOT customers.
  • Addison Mortgage Consultants
  • 5 Hillcrest Dr, Suite B203, Frederick, MD, 21703
  • Addison Mortgage Consultants, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Middletown Valley Bank
  • 24 West Main Street, Middletown, MD, 21769
  • Middletown Valley Bank has been a cornerstone for our customers’ financial planning, residents and businesses alike. Though many advances of the 21st century have made the financial world more competitive, Middletown Valley Bank continues to provide the flexibility and responsiveness only a true community bank can offer.
  • Mlend
  • 8803 Baltimore National Pike, Middletown, MD, 21769
  • "Mlend has built a strong reputation as an outstanding mortgage firm offering ""Home Loans Made Fast & Easy""​ to homebuyers throughout the mid-atlantic region. We're a full service mortgage lender with dedicated mortgage consultants and an experienced in house support team offering expertise in every area of mortgage financing.
  • The Pioneer Savings Bank
  • 6701 Detroit Avenue, Cleveland, OH, 44102
  • At the Pioneer Savings Bank. Our staff is committed to customer service and helping individuals achieve their financial goals. Our experienced staff is ready to answer all of your questions about investing and borrowing. Since 1922, we have actively served individuals while remaining current and on point with the ever changing banking industry.
  • St Colman & Affiliates Federal Credit Union
  • 6637 Lorain Avenue, Cleveland, OH, 44102
  • St Colman & Affiliates FCU help you with all your financial needs. From Direct Deposit of paychecks to checking and share certificates of deposit. A loan or a student savers account. Invite all your family members to join our credit union family. Share with them the benefits of being a member of St Colman & Affiliates FCU.
  • Shenango China Area Federal Credit Union
  • 2656 Ellwood Road, Suite 1, New Castle, PA, 16101
  • SCA Federal Credit Union, formerly known as Shenango China Area FCU, was established in 1935. We currently have 2450 members. We have one office located at 2656 Ellwood Road, Suite 1, New Castle, PA 16101. SCA Federal Credit Union has a dedicated Board of Directors consisting of volunteers elected by the members.
  • New Castle Bellco Federal Credit Union
  • 1011 Wilmington Avenue, New Castle, PA, 16101
  • New Castle Bellco Federal Credit Union is a federally charted, not-for-profit, full service financial institution that is member owned and controlled through a board of directors. The voluntary board is elected by the membership to establish credit union policies and is responsible for the safe and sound operation of the credit union.
  • GNC Community Federal Credit Union
  • 201 South Jefferson Street, New Castle, PA, 16101
  • GNC Community FCU is a strong financial institution with assets of over $ 70, 000, 000 and in many aspects has exceeded the financial norms of and to become a very strong organization. We rank high within our peers in many areas. GNC is a member of the Shenango Valley Chapter of Credit Unions which incorporates over 10 credit unions.
  • First Choice Federal Credit Union
  • 2209 West State Street, New Castle, PA, 16101
  • First Choice FCU was originally chartered in 1952. At the time we were known as the B&O New Castle Employees Federal Credit Union and were the primary credit union of the Baltimore – Ohio Railroad, the current CSX Corporation. We have also always offered full family membership. Any family member of an existing member is eligible to join.