USDA Vs. FHA your options comparison in Ocoee, Orange County, FL

In the year 2025, the USDA loan limit for Ocoee, in the county of Orange, FL, is $336,500. In contrast, the FHA cap for a single-family home stands at $472,030.

By utilizing the Lendersa® USDA loan calculator, you can assess the most favorable current USDA versus FHA rates to understand the income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in determining the best program for your financial circumstances in .

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2025 Loan Limits and Down Payment Requirements in Ocoee, Orange, FL

Type of Loan Loan Limit Initial Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loan Choices in Ocoee, FL

Lendersa® strives to quickly and seamlessly find you the most suitable USDA or FHA loans. You can select from three different starting options that lead to matching lenders and appropriate USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, exclusively for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require no initial payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • We are the arts community’s credit union, offering products designed to meet the unique professional and personal needs of the art & music community. Our services range from competitive checking and savings accounts to low-interest credit cards, creative arts project loans and our specialty: musical instrument loans.
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  • The Cleveland Police Credit Union was organized in October, 1938, when seven policemen were granted a charter by the State of Ohio and worked out of a "cubby-hole" office at the old Central Station on 21st and Payne Avenue. Cleveland Police Credit Union is committed to providing the highest level of customer service and satisfaction possible.
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  • The Central Jersey Police & Fire Federal Credit Union is proud to be a member-owned, not-for-profit financial cooperative dedicated to serving its members. Our motto is “People Helping People.” We are all working together to help each other meet our individual financial goals. The credit union is a nonprofit, cooperative financial institution.
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