For 2025, the USDA loan limit in Ormond-Beach, part of Volusia, FL, stands at $285,000, whereas for a single-family residence, the FHA loan limit is $356,362.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates, understanding required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, aiding you in choosing the best program tailored to your financial needs in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to promptly deliver the best USDA or FHA loan options to you without hassle. Start with one of three paths that align you with matching lenders and the right USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages require no down payment, offering an advantageous option for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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