USDA Vs. FHA Pro and Con comparison in Oak-Ridge, Orange County, FL

In 2025, USDA loan limit in Oak-Ridge, county of Orange, FL is $285,000 while FHA limit is $356,362 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 Oak-Ridge, county of Orange, FL

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

USDA and FHA loan options in Oak-Ridge, 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?



  • City Capital Funding Inc
  • 402 Executive Drive, Suite B, Langhorne, PA, 19047
  • Since 2003, our mission at City Capital Funding, Inc. (NMLS ID #127622) has been 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.
  • Net Equity Financial
  • 2267 Langhorne Yardley Road, Langhorne, PA, 19047
  • We are a full service Mortgage Brokerage and Real Estate Services company specializing in commercial and residential purchase mortgages, refinance and debt consolidation loans. We offer 100's of wholesale loan programs (both residential and commercial) through many of the largest lenders in the country through
  • American Mortgage Processing Services
  • One Oxford Valley, Suite 220A, Langhorne, PA, 19047
  • American Mortgage Processing Services (AMPS) is a back-office mortgage processing services provider. We specialize in Processing, Closing, Post-Closing and Quality Control of Residential Mortgage files. Our processing reduces cost, improves turn times and pass-through rates and produces quality mortgage files.
  • Hometown Federal Credit Union
  • 151 N Broadway, Peru, IN, 46970
  • Hometown FCU was started in August of 1936 by 33 Square D Company Employees contributing a total of $25. We moved from the Square D property in January 1989 and began serving Miami County in 1991. Our name changed from Square D Federal Credit Union to Hometown Federal Credit Union to better reflect our membership base.
  • Goldd Global Consulting, LLC
  • 44 Buckley Lane, Bayville, NJ, 08721
  • Direct Private Lender Sources - Up To 100 Million + 100% LTV / 100% LTC & Foreign Investor Loan REAL ESTATE Poor Credit - Bankruptcy / Foreclosure - Construction / Fix & Flips - Purchase / Refi - Land Loan BUSINESS FUNDING Acquisition Expansion Equity / Venture Capital
  • Hard Money Man LLC
  • 249 Grand Central Pkwy, Bayville, NY, 08721
  • Hard Money Man LLC is a New Jersey based private money lender. With over 20 years experience in being hard money lenders and private money lenders, we have closed and funded over 7,500 loans totaling over 1.2 billion in transactions. We pride ourselves on knowledge of the industry and speed of closings. On average our loans close in 7 days, and we
  • First Rate Mortgage Group
  • 529 Glen Meadow Road, Richboro, PA, 18954
  • At First Rate Mortgage Group, 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
  • American Nationwide Funding LLC
  • 60 Crossroads Plaza, O Fallon, MO, 63368
  • Patrick Flynn, Army Veteran and Owner of American Nationwide Funding has over 25 years of experience in real estate and investment banking and finance. He obtained his Executive MBA from Washington University and is a certified CFC. Pat's achievements include being one of the top account executives for the Clayton Merrill Lynch branch,