USDA Vs. FHA your options comparison in Pea-Ridge, Santa Rosa County, FL
In 2025, the loan limit for USDA in Pea-Ridge, under Santa Rosa County, FL, is $299,000, while the FHA limit for a single family home is set at $356,362.
Utilize the Lendersa® USDA loan calculator to effectively compare today's top USDA and FHA rates. Identify the necessary income, credit ratings, reserves, and documents for qualification. Our advanced mortgage calculator will display the USDA, FHA, Conforming, and VA options side-by-side, aiding in your decision about which program suits your financial needs in Alabama the best.
2025 Loan Limits and Down Payment Requirements in Pea-Ridge, in the county of Santa Rosa, FL
Loan Type
Loan Limit
Down Payment
USDA
$299,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Loan Options for USDA and FHA in Pea-Ridge, FL
Lendersa® aims to secure the best USDA or FHA loans for you efficiently and hassle-free. Choose one of three starting points to connect with lenders and access USDA loan offers.
The USDA home loan is provided by the Department of Agriculture and is also known as the USDA rural development loan or mortgage. It is available strictly in rural neighborhoods. USDA loans are unique as they require no down payment, unlike FHA loans that mandate at least a 3.5% down payment, presenting an appealing option for eligible rural homebuyers.
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