USDA Vs. FHA Pro and Con comparison in Ocala, Marion County, FL

In 2025, USDA loan limit in Ocala, county of Marion, 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 Ocala, county of Marion, 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 Ocala, 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?



  • First Community Bank of Tennessee
  • 207 Elm Street, Shelbyville, TN, 37160
  • Since we opened our doors on Elm Street in Shelbyville, Tennessee in 1988, we have built our reputation on quality customer service. From that time, we have grown from 10 to 68 employees, and opened three additional branches. In 2002, we purchased a mortgage business, which is now known as First Community Mortgage and employs more than 200 people.
  • PEOPLES BANK OF MIDDLE TENNESSEE
  • 1122 North Main Street, Shelbyville, TN, 37160
  • Peoples Bank of Middle Tennessee is proud to be locally owned and operated. Locally owned means decisions are made locally. The money you deposit in Peoples Bank is reinvested in the form of loans to individuals, businesses, churches and municipalities in middle Tennessee.Peoples Bank was founded in December, 2000 with the goal to provide the full
  • Heritage South Community Credit Union
  • 763 North Main Street, Shelbyville, TN, 37160
  • Heritage South has grown to over 25, 000 members across the communities of Bedford, Marshall, and Rutherford Counties in central Tennessee. We are a non-profit financial cooperative owned by our account holders This means we put our members’ interests first and aren’t working to make a board of Wall Street investors rich.
  • Independent Advantage Mortgage, LLC
  • 1525 E. Franklin Street, Suite 4, Chapel Hill, NC, 27514
  • Independent Advantage Mortgage, LLC. is a full-service mortgage company based in Chapel Hill, North Carolina serving the entire state but mostly in Orange County, Durham County and Wake county. Whether you are buying a home or refinancing you owe it to yourself to see what I can do for you.
  • Carolina Home Mortgage
  • 1506 E. Franklin Street, Suite 201, Chapel Hill, NC, 27514
  • Carolina Home Mortgage is a family-owned mortgage broker headquartered in Chapel Hill with branch offices in Pittsboro and Fayetteville. Serving all of NC through www.CarolinaHomeMortgage.com, you can take advantage of comparing the products of 10 or more lenders without leaving the comfort of your home. Our company does not lend the money.
  • PROMORTGAGE
  • 3602 Peavine Road, Crossville, TN, 38571
  • ProMortgage we represent dozens of lenders and have vast knowledge of literally hundreds of mortgage products and the pros and cons of each for any given situation. ProMortgage advisors work for you and not the banks and we research and recommend the loan product that best fits your needs
  • Fonville Morisey
  • 3600 Glenwood Avenue, Suite 150, Raleigh, NC, 27612
  • Founded in 1973, Fonville Morisey has set the bar for the local real estate industry, by working to deliver a “one-stop shopping experience” and continually striving to offer the best services possible for home buyers and sellers. This includes Prosperity Home Mortgage, LLC dba FM Lending Services, a full service mortgage banking company.
  • FM Lending Services
  • 4509 Creedmoor Road. Suite 201, Raleigh, NC, 27612
  • FM Lending Services is a full service mortgage banker specializing in residential purchase and refinance loans. FM Lending Services offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA) and Veterans Affairs (VA) loans, USDA loans, new construction loans.
  • MortgageMecca Inc
  • 4701 Creedmoor Rd, Suite 105, Raleigh, NC, 27612
  • "We have access to a vast array of mortgage options and our highly-trained mortgage specialists can find the perfect fit for you. Beyond unbeatable rates, our service is consistent, reliable, and ultra fast. We deal with the banks for you and only do mortgages, so we can cut through the red tape. That means you get answers and final docs–fast."
  • Devon Mortgage LLC
  • 3608 Shannon Road, Durham, NC, 27707
  • Devon Mortgage LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • Ferguson Federal Credit Union
  • 1026 E Broad Street, Monticello, MS, 39654
  • Chartered in 1968 at what was formerly St. Regis (now Georgia Pacific), and operating in a small vacant office, organized as a cooperative to offer better financial services to those employees of the mill. As we grew, we established a stand-alone branch right outside of the mill and were able to offer services to others in the community