USDA Vs. FHA Pro and Con comparison in Perry, Taylor County, FL

In 2025, USDA loan limit in Perry, county of Taylor, FL is $336,500 while FHA limit is $472,030 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 Perry, county of Taylor, FL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Perry, 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?



  • South Georgia Banking Company
  • 725 West 2nd Street, Tifton, GA, 31794
  • South Georgia Banking Company is a full-service, independent, locally owned bank. Now in our 50th year of operation, SGBC provides a wide variety of banking services targeted primarily to the personal consumer, small business, and agricultural sectors. With locations in Tift, Colquitt, and Dooly counties, we take pride in the communities we serve.
  • Emerald Coast Federal Credit Union
  • 502 Woodward Avenue, Port Saint Joe, FL, 32456
  • The Emerald Coast Federal Credit Union is a full-service financial cooperative, dedicated to serving its membership. We were originally chartered in 1939 as St. Joe Papermakers Federal Credit Union to serve the employees and their families of the local paper mill. In 1998, we became Emerald Coast Federal Credit Union and converted.
  • Community State Bank FL
  • 811 South Walnut Street, Starke, FL, 32091
  • Community State Bank has remained true to the dream of our founders: to provide quality service to the community in which we live and work. We are still going strong, and we hope to be there for every important phase of your life, from buying your first home, to starting your own business, to saving for retirement.
  • Flint Community Bank
  • 2910 Meredyth Drive, Albany, GA, 31721
  • Flint Community Bank opened its doors in early 2006 with a straightforward goal: to build a bank based on customer relationships. In order to make that goal a reality, we knew from the start that we would have to deliver on our promise of local decisions made in a timely manner with unforgettable customer care.
  • CITRUS LENDING INC.
  • 1100 N. Lyle Ave., Crystal River, FL, 34429
  • Citrus Lending is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending will work with you to get you the financing you need to make your real estate dreams come true.
  • Jackson County Teachers Credit Union
  • 4466 Clinton St, Marianna, FL, 32446
  • Jackson County Teachers Credit Union is a financial co-operative that exists for the benefit of its members & offers the most needed financial services at the most reasonable rates & terms possible to maintain the credit union's long term financial stability. The board & staff pledge to treat members equally with respect to their financial needs.
  • Farm Credit of Northwest Florida
  • 5052 Highway 90 East, Marianna, FL, 32446
  • Farm Credit of Northwest Florida is part of the national Farm Credit System which was created in 1916 to provide a reliable source of credit for the nation’s farmers and ranchers. Today, the System provides more than one-third of the credit needed by those who live and work in rural America.
  • Artesian City Federal Credit Union
  • 100 Flint Avenue, Albany, GA, 31701
  • Artesian City Federal Credit Union was founded in 1950 on the credit union principle of “people helping people”. For more than fifty years, we have existed solely for the purpose of serving our members’ best interests. This focus on members instead of profits allows us to offer a full range of financial services specifically designed.
  • Albany Community Together Inc
  • 230 S. Jackson Street, Suite 333, Albany, GA, 31701
  • Albany Community Together, Inc. (ACT!) was created in 1997 with the primary mission to create opportunities by helping low-wealth individuals who are not served or underserved by traditional financial institutions to build wealth through small business ownership and access to capital. ACT’s mission has evolved to building wealth
  • NSH MORTGAGE
  • 2195 W Huntington Dr, Beverly Hills, FL, 34465
  • NSH Mortgage team has helped thousands of people get quickly and easily approved for mortgages for over 25 years! He is eager to help you get approved for the lowest rate possible, no matter your situation. He works closely with his clients to ensure a stress-free, comfortable experience that leaves everyone happy.
  • Ware County School Employees Federal Credit Union
  • 1301 Bailey Street, Waycross, GA, 31501
  • The Ware County School Employees Federal Credit Union was established in 1962. Our field of membership consists of employees and immediate family members of the Ware County Board of Education and Okefenokee RESA. The mission of WCSEFCU is to provide the highest quality of financial services and customer service to support the financial needs
  • First National Bank of Coffee County
  • 420 South Madison Ave, Douglas, GA, 31533
  • First National Bank of Coffee County opened for business September 23, 1991, to serve Coffee and surrounding counties as a locally owned community bank. We believe First National Bank of Coffee County is the best choice to serve as your banking partner and would like the opportunity to prove it.