USDA and FHA Pro and Con in Palm-Bay, Brevard County, FL
As of 2026, in Palm-Bay within Brevard county, FL, the USDA loan limit is set at $285,000. In contrast, the FHA loan cap for a single-family residence is $356,362.
Take advantage of the Lendersa® USDA loan calculator to evaluate today’s prime USDA and FHA rates. This tool assists in identifying the necessary income, credit criteria, reserves, and documentation required for qualification. Our comprehensive mortgage calculator furthermore facilitates a side-by-side comparison of USDA, FHA, Conforming, and VA loan options, aiding your decision for the most fitting program in based on your unique financial circumstances.
Loan Limits and Down Payment Requirements for 2026 in Palm-Bay, FL, Brevard County
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Alternatives in Palm-Bay, FL
Lendersa® is dedicated to helping you obtain the optimal USDA or FHA loan quickly and with ease. Choose one of three pathways that facilitate the connection to lenders and access to USDA loan schemes.
The USDA home loan is a government-backed offer through the Department of Agriculture, also termed as USDA rural development loan or USDA mortgage, explicitly available in rural communities. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
6050 Babcock Street, Suite 27, Palm Bay, FL, 32909
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.
Firehouse Mortgage makes it simple to apply for your home loan. This simple process can be conducted by phone or by submitting a form using the online Approval Request. You will then be contacted by Brennan Kelley for further information. The loan application can be taken over the phone, and your loan approval
Speedy Holdings (speedyhg.com) helps owners and partners turn ideas into scalable success with smart holdings and hands-on management. Expect responsive communication and measurable momentum. Ready to accelerate your next move? Email Virgilh@speedyhg.com.
Dyer Mortgage, a Division of Primary Residential Mortgage, Inc.
10 S Harbor City Blvd, Melbourne, FL, 32901
Lends in Florida
Dyer Mortgage Group was founded by Bobbie Dyer, a Veteran Mortgage Banking professional with over 28 years’ experience. Our philosophy is to give our clients world-class customer service combined with the best rates, terms, and programs to meet their individual needs. We love to serve those who serve our community.
Commercial Capital Ltd., FL is a direct private/bridge money lender and a one-stop shop for your commercial loans, including real estate mortgages, SBA business loans, fast business loans and more. We are originators for several of our own funds, and our extensive network of over 300 affiliate investors includes banks, REIT's, private equity funds.
907E. Strawbridge Ave Suite 101/102, Melbourne, FL, 32901
Lends in Florida
"Obsidian Financial, we are believers in speed without compromising quality which is why we try and get you to speak directly to one of our highly trained Loan Originators. We offer an experience that will set the industry standard, by allowing you to personally know the Loan Originator. "
We're a full service Florida Mortgage Company with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to USDA, VA and FHA mortgages. We have access to a full range of mortgage programs and all of our Florida mortgage specialists are dedicated to finding the right loan-with the best rates
680 St. Clair Street, Suite 360171, Melbourne, FL, 32936
Lends in Florida
Kristine is the President at Absolute Mortgage Solutions, LLC., where she is very hands on in the day-to-day operation of the company. Kristine personally processes her applications from start to finish. Including purchases, refinances and educating her clients about their financing options. Kristine works with numerous real estate offices.
