USDA Loan Vs. FHA loan pro & con for Palm-Valley, St. Johns County, FL

In 2025, USDA loan limit in Palm-Valley, county of St. Johns, FL is $310,900 while FHA limit is $388,700 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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USDA and FHA loan options in Palm-Valley, 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.

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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.

(815) 273-4503 966 miles Lender's profile and map Reviews Blackhawk Area Credit Union 214 Main Street, Savanna, IL, 61074 Blackhawk Area Credit Union began in 1935 when the Chicago, Milwaukee, St. Paul and Pacific Railway (Illinois Division) Credit Union was incorporated by the State of Illinois. Since that time, the credit union has merged with other credit unions and increased its services, membeship and assets. In 1982, our name changed to Blackhawk Area Credit Uni
(800) 734-7375 966 miles Lender's profile and map Reviews First New York Federal Credit Union 2 Wall St, Albany, NY, 12205 First New York Federal Credit Union, originally Schenectady Teachers Federal Credit Union, was federally chartered in 1937 to serve the teachers of the Schenectady City School district. Today First New York has eight Branch locations and three FNY Express Teller Kiosks, serving over 34, 000 members, and is one of the strongest financial institution
(800) 634-2340 966 miles Lender's profile and map Reviews CAP COM Federal Credit Union 4 Winners Circle, Albany, NY, 12205 CAP COM was first established in 1953 in Albany, N.Y. More than six decades later, CAP COM has grown to more than $2 billion in assets and 12 branch locations. We are member-driven and focused on superior service, convenient products and competitive rates that help our members save money and make life just a little easier
(518) 446-9629 966 miles Lender's profile and map Reviews Fort Orange Funding 21 Everett Rd. Ext, Albany, NY, 12205 Fort Orange Funding, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage.
(518) 464-4454 966 miles Lender's profile and map Reviews Stockbridge Capital, LLC 1698 Central Avenue, Albany, NY, 12205 Stockbridge Capital, LLC has been an industry leader in the acquisition and management of vacant land real estate assets throughout the nation. With a primary focus on portfolios comprised of vacant land loans as well as REO, the firm is also involved in purchasing portfolios secured by mobile homes and land.
(800) 342-4998 966 miles Lender's profile and map Reviews OwnersChoice Funding 1021 Watervliet Shaker Road, Albany, NY, 12205 Over the past 30 years, the mortgage professionals at OwnersChoice have earned a reputation for attention to detail, timeliness, answers, and the ability to deliver financing that fits your life. It’s the kind of excellence and “personal touch” you’d expect from a home lending partner with deep roots in the credit union movement.
(518) 459-3239 966 miles Lender's profile and map Reviews Empower Mortgage, LLC 1218 Central Avenue, Suite 2, Albany, NY, 12205 We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
(518) 505-1304 966 miles Lender's profile and map Reviews Homeowners Advantage 4 Winners Circle, Albany, NY, 12205 Homeowners Advantage provides affordable home real estate loan options to homebuyers, homeowners, credit unions, real estate professionals, investors and builders in order to make the dream of owning a home a reality. We provide the highest level of integrity, professionalism and customer service in the mortgage industry.
518-435-1119 966 miles Lender's profile and map Reviews CMN Funding 1510 Central Ave Suite 380, Albany, NY, 12205 CMN Funding is a financial services company that specializes in the needs of the commercial client. CMN is a full service outlet for many types of commercial financing. Our primary focus is to obtain funding for commercial real estate transactions. Our company pledge is to work very hard to find the right home for every deal. CMN has long standi
(518) 810-0101 966 miles Lender's profile and map Reviews Albany Hard Money 12 Elmwood Rd, Albany, NY, 12204 We are not a company advertising in Albany that is located in another state. We are a local business owned by local private lenders that have been making loans to people just like yourself since 2006. We have written thousands of loans in the Albany region and know this market well. This means we can sit with you, face to face,
(319) 653-7256 967 miles Lender's profile and map Reviews Federation Bank 102 East Main Street, Washington, IA, 52353 Federation” is commonly defined a union of organizations. We believe that we are more than just a union of organizations but also a union of communities by serving Washington, Brighton, Richland and Wellman, Iowa. We belong together because “Together We’re Strong and In 1906, Rubio Savings Bank was chartered as a state bank in the railroad town of