USDA Vs. FHA Pro and Con comparison in Palm-Springs-North, Miami-Dade County, FL

In 2025, USDA loan limit in Palm-Springs-North, county of Miami-Dade, FL is $0 while FHA limit is $402,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Palm-Springs-North, county of Miami-Dade, FL

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $402,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Palm-Springs-North, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 415 North Main, Le Sueur, MN, 56058
  • CornerStone State Bank- offering deposit and lending services to communities across the state of Minnesota. Chartered in 1974, as one office in Le Sueur, Minnesota, now CornerStone State Bank has grown into seven communities; Le Sueur, Cloquet, Belle Plaine, Montgomery, Green Isle, and most recently, Madison Lake and Eagle Lake, Minnesota.
  • Riverview Credit Union
  • 115 Hardman Avenue South, South Saint Paul, MN, 55075
  • Riverview Credit Union is a member owned, non-profit financial institution. Chartered in 1931, Riverview Credit Union was organized to provide financial products and services that are personalized and competitively priced to its' members. Membership in Riverview Credit Union is exclusive to those who qualify.
  • Lend Smart Mortgage
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  • Lend Smart Mortgage has operated as a mid sized, locally owned retail lender since inception in 2006. We have made several acquisitions over the years to continue our planned growth and expand our licensing base. We are direct lenders and seller/servicers with both Fannie Mae and Freddie Mac which means we control the entire mortgage process
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  • 201 W. Burnsville Pkwy, Suite 110, Burnsville, MN, 55337
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  • 421 Pile Street, Clovis, NM, 88101
  • Incorporated on January 7, 1916, with capital stock of $25,000, The Citizens Bank of Clovis has become the largest independent financial institution in East-Central New Mexico now with assets in excess of $449,000,000. With capital in excess of $46,000,000, it is one of the best capitalized banks in New Mexico.
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  • Cannon Federal Credit Union
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