USDA Vs. FHA Pro and Con comparison in Newberry, Alachua County, FL

In 2025, USDA loan limit in Newberry, county of Alachua, 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Newberry, county of Alachua, 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 Newberry, 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?



  • Money Federal Credit Union
  • 100 Madison Street, Syracuse, NY, 13202
  • Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources
  • MHD Empire Service Corp.
  • 300 South State St, Suite 1000, Syracuse, NY, 13202
  • At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast. Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for
  • CNY MBA, Inc.
  • 120 Madison St, 18th Fl, Syracuse, NY, 13202
  • The Central New York Mortgage Bankers Association is gearing up for our upcoming year. Whether you are a mortgage banker, mortgage broker, appraiser, attorney, credit professional, homebuilder, home inspector, insurance agent, realtor or title insurer, a CNY MBA membership offers you a forum for business and social exchange.
  • Ixonia Bank
  • WI046 Marietta Avenue, Ixonia, WI, 53036
  • For over 100 years, Ixonia Bank has been a locally owned, independent community bank. Experience the benefits of community banking at its best - fast decision-making, customized solutions, local expertise, and responsive, and flexible service. And most importantly experience relationships built on trust and understanding.
  • Syracuse Fire Department Credit Union
  • 211 Wilkinson Street, Syracuse, NY, 13204
  • The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
  • Empower Federal Credit Union
  • 515 Erie Blvd W, Syracuse, NY, 13204
  • Empower Federal Credit Union is a full-service financial institution that provides savings, loan, and transaction services to members in Central New York, and in eight counties in New York State. Main offices are located in Syracuse NY. As a credit union, Empower is a financial cooperative and is not-for-profit. For information go to www.empowerfcu
  • Citizens State Bank
  • 117 West First Street, Monticello, IA, 52310
  • Citizens State Bank, with assets over $400 million, is one of the largest financial institutions in the state of Iowa. We operate seven banking offices & 12 ATMs in four Iowa counties. Citizens State Bank provides a full line of banking, brokerage, insurance, investment, mortgage, income, trust & payment service products to consumers & businesses.
  • Seasons Federal Credit Union
  • 524 South Main Street, Middletown, CT, 06457
  • In 1935, a group of educators from Middletown, CT, founded the future Seasons Federal Credit Union. Inspired by the credit union philosophy of “people helping people,” the teachers pooled their money together to provide low-cost loans.Through their joint efforts, Northern Middlesex School Employees Credit Union was chartered in December that year.
  • The Port Austin State Bank
  • 62 East State Street, Port Austin, MI, 48467
  • The original Port Austin Bank building was built in 1884 by Richard Winsor and his associate, Horace G. Snover, to house their successful banking, law and insurance firm of Winsor & Snover. Both men were important factors in the political affairs of that period. Mr. Snover served as a probate judge and also as U.S. Representative.