In 2026, the USDA loan limit applicable in Oviedo, located in the county of Seminole, FL, is $336,500. At the same time, the FHA limit for a single-family home is set at $472,030.
Lendersa® offers a USDA loan calculator to evaluate today’s leading USDA versus FHA rates, assisting in determining the income, credit standards, reserves, and documents necessary for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, aiding you in selecting the program that best meets your financial needs in .
2026 Loan Limits and Down Payment Requirements in Oviedo, County of Seminole, FL
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Oviedo, FL
Lendersa® aims to swiftly provide you with the optimal USDA or FHA loans effortlessly. Choose one of three strategies to match with lenders and uncover suitable USDA loan options.
The USDA home loan, guaranteed by the Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage, only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require no down payment, providing a cost-effective option for those qualified.
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