In 2026, the USDA loan limit in Palm-Beach-Gardens, within the county of Palm Beach, FL, is $322,000, whereas the FHA limit for a single-family home is $402,500.
Utilize the Lendersa® USDA loan calculator to compare the best current USDA and FHA rates. Assess income, credit, reserves, and documents needed for qualification. With our advanced calculator, view USDA, FHA, Conforming, and VA options side by side to choose the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $322,000 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to secure for you the best USDA or FHA loan quickly and effectively. Choose one of three starting points to find matching lenders and suitable USDA loan programs.
The USDA home loan, guaranteed by the federal Department of Agriculture, is also known as a USDA rural development loan or mortgage. It is available in rural areas only. Unlike FHA loans that require a down payment of at least 3.5%, USDA mortgages require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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