USDA Vs. FHA your options comparison in Oakleaf-Plantation, Clay County, FL
In the year 2026, the USDA loan threshold for Oakleaf-Plantation, situated in Clay county, FL, is $310,900. Meanwhile, the FHA ceiling for a single-family house is noted as $388,700.
Lendersa® provides a USDA loan calculator that allows you to contrast today's USDA and FHA rates, helping you identify necessary qualifications like income, credit score, reserves, and documentation. This comprehensive mortgage calculator also lets you compare USDA, FHA, Conforming, and VA options side-by-side to determine the optimal choice for your financial scenario in .
2026 Loan Limits and Down Payment Requirements in Oakleaf-Plantation, Clay, FL
Loan Type
Loan Limit
Down Payment
USDA
$310,900
0%
FHA
$388,700
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Alternatives in Oakleaf-Plantation, FL
The mission of Lendersa® is to facilitate you in obtaining the best possible USDA or FHA loans promptly and conveniently. Choose one of the three starting steps to align with lenders and access USDA loan programs.
A USDA home loan is federally backed by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and it is restricted to rural areas. FHA loans require a minimum down payment of 3.5%, whereas USDA loans have no such requirement.
12443 San Jose Blvd Suite 503, Jacksonville, FL, 32223
Lends in Florida
At Parco Finance 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.
12058 San Jose Blvd Suitwe 404, Jacksonville, FL, 32223
Lends in Florida
Since 2000, North Star Mortgage Network has helped thousands of Florida homebuyers and homeowners find the right mortgage with honest advice, competitive rates, and personalized service. As an independent mortgage broker, we compare multiple lenders to find the best loan for your needs. Whether you're purchasing, refinancing, or investing, we're committed to making the mortgage process simple, transparent, and stress-free.
12443 San Jose Blvd, Unit 103,, Jacksonville, FL, 32223
Lends in Florida
OneTrust Home Loans is a privately-owned direct lender and servicer with sales and operations across the country. In addition to the standard loan options like Conventional, FHA, VA, USDA, and Jumbo, OneTrust also boasts Portfolio and Construction Lending divisions. OneTrust Home Loans places special importance on customer service
7530 103rd Street Suite 6, Jacksonville, FL, 32210
Lends in Florida
Mortgage Owl, LLC and Gaulden One World Realty, LLC provide fast, flexible financing and expert real estate support for investors and self‑employed buyers. We offer DSCR, Bank‑Statement, P&L, 1099‑Only, Non‑QM, and Hard‑Money loans, plus guidance on off‑market deals and renovation projects to help clients close quickly and build wealth.
5785 Wilson Blvd, Suite 1, Jacksonville, FL, 32210
Lends in Florida
Our mission is 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 that can arise while securing a loan
1919 Blanding Blvd, Suite 10, Jacksonville, FL, 32210
Lends in Florida
In 1998, Alec Boriss opened his mortgage brokerage business at its present location, 2330 Oak Street, in the heart of Jacksonville’s historic district. The business was a lender branch until, in 2004, Alec decided to incorporate Oak Street Financial, Inc. as a Correspondent Lender with license to originate FHA .
We offer a full service digital mortgage market place, where consumers can identify the lowest rate fee loans from the Nations best lenders and close their loan request.
We do not charge any fees, and are compensated by the lowest rate lender for performing the work and funding the loan.
City & Police Federal Credit Union was chartered in 1935 as a financial institution owned by its members who are joined by a common bond.Which brings us to the present. We are a full service financial institution with five convenient locations. Best of all we understand our purpose; "Serving the Financial Needs of Our City's Best".
Our mission is 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 that can arise while securing a loan.
