USDA Loan Vs. FHA loan pro & con Panama-City-Beach, Bay County, FL

For the year 2025, the USDA loan cap in Panama-City-Beach, within Bay county, FL, is set at $285,000, whereas the FHA limit for single-family homes is $356,362.

By utilizing the Lendersa® USDA loan calculator, you can effectively compare the current best rates of USDA against FHA loans. It helps determine the requisite income, credit history, financial reserves, and documents necessary to qualify. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA options side by side, assisting you to choose the optimal program for your financial circumstances in .

Exploring USDA and FHA Loan Options in Panama-City-Beach, FL

The mission of Lendersa® is to provide you with the best available USDA or FHA loan quickly and effortlessly. Choose one of three starting points that align you with lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

An Overview of USDA Loans in FL

A USDA home loan, guaranteed by the government via the Department of Agriculture (also known as the USDA rural development loan or USDA mortgage), is exclusively available in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment at all.

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(800) 220-0959 Lender's profile and map Reviews New England Regional Mortgage 90 Stiles Rd, Suite 201, Salem, NH, 03079 At New England Regional Mortgage Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We make all loan decisions locally and find you the program with the lowest fixed rate..
(603) 458-7310 Lender's profile and map Reviews New England Regional Mortgage Corporation 90 Stiles Rd, Suite 201, Salem, NH, 03079 At New England Regional Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the lowest rate program. Call us at (800) 220 0959 x 150 for Dan Gennarelli NMLS 26970.
(978) 423-9314 Lender's profile and map Reviews ACCUTRUST MORTGAGE, INC 224 Main St, Suite 3b, Salem, NH, 03079 Accutrust Mortgage was Founded in 2004 with a small group of eight committed loan officers,the company has grown throughout New England while earning the Inc.500/5000 award several years in a row. Accutrust, Owner Don Lambert credits the people he works with.He says that the business has a core philosophy to invest in the people of the organization
(603) 629-1500 Lender's profile and map Reviews St. Marys Bank 200 McGregor Street, Manchester, NH, 03102 St. Mary's Bank is proud of its heritage. For just over a century, we've been helping New Hampshire individuals, families, and businesses with a wide range of financial products and services, including checking accounts, personal loans, real estate loans, business banking, and savvy financial planning.
(781) 631-5500 Lender's profile and map Reviews Marblehead Bank 21 Atlantic Avenue, Marblehead, MA, 01945 Founded in 1871, Marblehead Bank has been helping generations of families on the North Shore, grow and prosper. We help lead them to brighter and financially sound futures. Today, we’re one of North Shore’s finest banks. We hope to be given the opportunity to show you how much we care!
(781) 990-0710 Lender's profile and map Reviews Clipper Commercial Capital 20 Waterside Road, Marblehead, MA, 01945 Clipper Commercial Capital, LLC is an advisory firm based in greater Boston, providing capital solutions for small and mid-size business nationwide. We work closely with a network of national bank and non-bank financial institutions to offer competitive rates, market knowledge, and specialized lending solutions.
(781) 631-6000 Lender's profile and map Reviews The National Grand Bank of Marblehead 91 Pleasant Street, Marblehead, MA, 01945 Incorporated in April of 1831 as the Grand Bank, later renamed the National Grand Bank, we officially opened our doors on November 18, 1831. That day we recorded $1, 500 worth of deposits and started our commitment to providing the citizens and businesses of Marblehead with the best service and banking products available.
(781) 639-0047 Lender's profile and map Reviews Stepstone Mortgage Company Inc 89 Front Street, Suite 313, Marblehead, MA, 01945 We have been in business since 1988 and have helped thousands of homeowners purchase their new home, refinance into a lower rate, or get cash for home improvements, investments, business, debt consolidation, and college. Call us and see what the Stepstone Advantage is all about. We will strive to find the right mortgage product for you.
(320) 632-9740 Lender's profile and map Reviews Pine Country Bank 1201 1st Avenue Ne, Little Falls, MN, 56345 Pine Country bank takes pride in providing our area businesses with the products and services you need to make your business successful. Whether your business is new or well-established, small or large, our business banking professionals get to know your business and work with you to meet your individual business needs.
(800) 645-4728 Lender's profile and map Reviews Granite State Credit Union 1415 Elm Street, Manchester, NH, 03101 Since 1945, Granite State Credit Union has been building relationships with our members while meeting their growing financial needs. Every day we strive to offer the quality, personal service members have come to expect from their local credit union. Members enjoy a variety of financial products and services that reach beyond savings
(877) 273-3939 Lender's profile and map Reviews Breeze Financial LLC 1001 Elm Street, Suite 401, Manchester, NH, 03101 Your Loan, Our Experts - licensed in Florida, Massachusetts, Michigan, Missouri, New Hampshire, North Carolina. We are partnered with a variety of banks, lenders and investors so we can find the best option available for your situation. Let us simplify the process so you close fast.