USDA Vs. FHA Pro and Con comparison in Oakleaf-Plantation, Clay County, FL

In 2024, USDA loan limit in Oakleaf-Plantation, county of Clay, FL is $310,900 while FHA limit is $388,700 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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2024 loan limits and downpayment requirments in Oakleaf-Plantation, county of Clay, FL

Loan Type Loan Limit Down payment
USDA $310,900 0%
FHA $388,700 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Oakleaf-Plantation, 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?



  • PEACH CAPITAL INC
  • 1825 W Walnut Hill Ln, Suite 100, Irving, TX, 75038
  • We are a financial company that offers smart financing solutions to get quick and easy access to funds to help you take that next step today. Our Mission is to Help 1 Million Entrepreneurs and small business Owners by 2030. We offer smart financing solutions to the residents of Dallas TX, and the surrounding area.
  • BSI Financial Services
  • 1425 Greenway Drive, Suite 400, Irving, TX, 75038
  • We care with service that is informed and responsive. We care with programs that can help you in difficult times. We care using technology that provides around-the-clock access to loans to manage payments, view account history and order documents. We care for your loan. We take a big data approach to reduce compliance risk.
  • Homebound Loans Incorporated
  • 5027 Empire Way, Irving, TX, 75038
  • HBLending, LLC, 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.
  • Apply with Kenny LLC
  • 1431 Greenway Drive, Suite 807A, Irving, TX, 75038
  • Apply with Kenny LLC mortgage broker is an intermediary who brings mortgage borrowers and mortgage lenders together, but who does not use their own funds to originate mortgages. A mortgage broker helps borrowers connect with lenders and seeks out the best fit in terms of the borrower's financial situation and interest-rate needs.
  • Purelend Mortgage, LLC
  • 1333 Corporate Drive, Suite 108, Irving, TX, 75038
  • Our team at Purelend Mortgage comprises of experienced Mortgage Loan Originators. Headed by Renuka Samudrala, RMLO, owner, and other professionals, we aim at making securing a loan a breeze for all our clients. No matter what kind of loan you are looking to secure, we will help you along the way in an easy, hassle-free and straightforward manner
  • PHH Mortgage Corporation
  • 1431 Greenway Dr, Irving, TX, 75038
  • PHH Mortgage, a wholly owned subsidiary of Ocwen Financial Corporation, is one of the largest subservicers of residential mortgages in the United States. PHH Mortgage provides servicing solutions to companies who own mortgage servicing rights and offers portfolio retention services to extend and enhance customer relationships.
  • Las Colinas Federal Credit Union
  • 555 Cimarron Trail, Irving, TX, 75063
  • The Credit Union was chartered in 1955 by a group of Zale employees and family members. The new credit union was known as Zale Employees Federal Credit Union (ZEFCU). During the ’80s, several smaller credit unions merged with ZEFCU (Optical FCU, Sherwin Williams FCU, Golden Acres FCU, Joske’s Employee’s FCU, and Mary Kay Cosmetics FCU)."
  • Mobility Credit Union
  • 8384 North Belt Line Road, Irving, TX, 75063
  • In 1965, in the lunchroom of the IBM facility located in Dallas at 2911 Cedar Springs, 14 employees met and collectively deposited $150 to start IBM Southwest Employees Federal Credit Union and serve the financial needs of its employees. Over time more locations were added and additional products
  • KBHS Home Loans LLC
  • 8650 Freeport Parkway South, Suite 250, Irving, TX, 75063
  • KBHS offers competitive rates and exceptional service on Conventional, Government (FHA, VA & USDA) and Jumbo Fixed & Adjustable Rate Mortgages with a variety of terms designed to meet the diverse needs of new construction homebuyers. Bond loans and other mortgage products suited for homebuyers are also availab