USDA and FHA Pro and Con in Palm-City, Martin County, FL
In 2025, the USDA loan limit for Palm-City, located in Martin county, FL is set at $305,400, whereas the FHA loan limit for a single-family home is $381,800.
By using the Lendersa® USDA loan calculator, you can compare the most current USDA vs. FHA rates, and evaluate the necessary income, credit, reserves, and documentation needed for eligibility. Our advanced mortgage calculator positions USDA, FHA, Conforming, and VA options side by side, providing guidance on which program in suits your financial needs best.
2025 Loan Limits & Down Payment Requirements in Palm-City, Martin County, FL
Loan Type
Loan Limit
Down Payment
USDA
$305,400
0%
FHA
$381,800
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Palm-City, FL
Lendersa®'s mission is to promptly provide you with the most favorable USDA or FHA loan without any hassle. Choose one of three starting pathways leading to suitable lenders and USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and available only in rural areas. Unlike FHA loans, which require a 3.5% down payment minimum, USDA loans do not require any.
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