USDA Vs. FHA Pro and Con comparison in Palm-Coast, Flagler County, FL
In the year 2026, the USDA loan limit for Palm-Coast in the county of Flagler, FL, is set at $285,000, whereas the FHA limit for a single-family property is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the current optimal USDA against FHA rates and to discern the income levels, credit scores, reserves, and documentation required for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side to aid in determining which program within best suits your unique financial needs.
2026 Loan Limits and Down Payment Requirements in Palm-Coast, County of Flagler, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Palm-Coast, FL
The aim of Lendersa® is to expedite your acquisition of the most favorable USDA or FHA loan seamlessly. You can choose one of three initial approaches to connect with lenders and access USDA loan programs.
The USDA home loan is a government-backed option by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is exclusive to rural areas. Unlike FHA loans, requiring at least a 3.5% down payment, USDA loans have no such requirement.
800 Belle Terre Pkwy, Suite 200-117, Palm Coast, FL, 32164
Lends in Florida
We are located in beautiful Palm Coast, FL & if you are considering a reverse mortgage, We would be more than happy to visit with you in the privacy of your home & provide you with a free, no obligation, consultation. You will learn about how the process works, the various strategies available & have the opportunity to address all of your questions
Cedric Stubbs committed to easing your concerns and addressing all of your mortgage needs. I provide personalized guidance and direction regarding a variety of financing options, empowering you with the knowledge and resources you need. Get in touch today to start making smarter choices regarding mortgages.
408 South Central Avenue, Flagler Beach, FL, 32136
Lends in Florida
American Home Mortgage Group has been locally owned and operated in beautiful Flagler Beach, Florida since 2003. Our employees value honesty, integrity, and service. We strive to help you and your family finance the home of your dreams and absolutely love what we do. We work hard to be more than just a highly respected mortgage broker.
712 S Ocean Shore Blvd #206, Flagler Beach, FL, 32136
Lends in Florida
Churchill Mortgage is a full-service and financially sound leader in the mortgage industry. We love working with real estate agents, buyers and sellers. The Churchill Mortgage team wants to help you plan a smarter mortgage plan, specifically designed to help you meet your unique needs now and into the future.
American Home Mortgage Group is a trusted mortgage source in Flagler Beach, Florida since 2003. In today’s changing real estate market, it is more important now than ever to have a trusted mortgage consultant. Our team has the knowledge to analyze each individual’s goals and objectives and tailor the best mortgage solution to meet those needs.
Intracoastal Bank is a locally owned and operated community bank. Intracoastal Bank opened in 2008 with the goal of supporting the community by building strong and lasting relationships with our clients. The Bank was established by a team of local residents and business owners with long-standing ties to the community.
1030 Palm Coast Parkway, Suite 3, Palm Coast, FL, 32137
Lends in Florida
Community Mortgage Solutions is a small family owned business located in Palm Coast, Florida. We are the longest operating mortgage company in our area. We specialize in residential financing throughout the state of Florida and Community Mortgage Solutions consists of real people helping other real people accomplish their home ownership dreams.
Florida Mortgage Brokerage Inc, where Adam Klayman and his team specialize in residential mortgages in Jacksonville Florida and surrounding area. At Florida Mortgage Brokerage Inc, we will find a loan that fits each borrower. Our consultants know what it takes to get through underwriting quickly.
Families, singles, veterans, retirees, first-time or repeat buyers – no matter who we serve, our #1 goal is to bring a personal approach to the home financing process. We understand that mortgages are much more than just rates and terms. Kris Wiltfong CEO and President of Capstone Mortgage, LLC
