USDA Vs. FHA your options comparison in Point-Baker, Santa Rosa County, FL

In 2024, USDA loan limit in Point-Baker, county of Santa Rosa, FL is $299,000 while FHA limit is $356,362 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.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Point-Baker, 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%

USDA and FHA loan options in Point-Baker, 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?



  • California Equity & Loan
  • 2200 Orangewood Avenue, Suite 150, Orange, CA, 92868
  • We offer personalized solutions! At California Equity & Loan we know that finding the best loan program can reduce your principal or maximize cash flow. Whatever your financial goals, we can help you select the best loan program for you. Our Home Loan Professionals know that finding the best loan program is key to home ownership.
  • Banc One Mortgage
  • 333 City Blvd W, Suite 1810, Orange, CA, 92868
  • We are a full-service direct mortgage lender with an experienced staff offering expertise in every area of mortgage lending, from purchasing to refinancing. We have access to a full range of mortgage programs and all of our lending specialists are dedicated to finding you the right loan – with the best rates, terms.
  • Lendprise Home Loans & Real Estate
  • 333 City Boulevard West, Suite 1700, Orange, CA, 92868
  • LENDPRISE is an independent mortgage company partnered with wholesale lenders offering speed & competitive pricing to our clients.We have set a very high standard in the mortgage & real estate industry.We are committed to quality customer service.. Our team will work continuously on your behalf to help you achieve your financial goals.
  • Taurus Mortgage Corporation
  • 333 City Boulevard West, 17th Floor, Orange, CA, 92868
  • Taurus Mortgage Corporation is partnered with all the major banks and lending institutions in the nation. This allows us to offer our clients the smartest approach to home ownership. With just one call to us, our clients have access to every loan program currently available and at the lowest rates.
  • Direct Bank Rate
  • 1100 Town & Country Road, Suite 1250, Orange, CA, 92868
  • At Direct Bank Rate. We are a full service mortgage company based in Orange, California. We specialize in FHA, VA, First Time Home Buyer, in Orange. We also serve the surrounding cities in Orange County, LA County, San Diego, . Whether you are buying a home or refinancing in any of these zip codes: 92868, 92870, 92886, 92683, 92870, 92703,
  • HOME LOANS ON DEMAND
  • 878 North Main Street, Orange, CA, 92868
  • Home Loans On Demand we leave no stone unturned to provide our clients with the highest standard in customer service through the collective efforts of our entire team. Each team member plays a specific role in the overall success of each home transaction and provides you with the full support and strength.
  • Liberty One Funding
  • 2050 West Chapman Avenue, Suite 285, Orange, CA, 92868
  • Liberty One Funding is a mortgage company located in the city of Orange. We provide mortgage refinance and home purchase loan services. With a combined 30 years of experience in the mortgage industry, you can be rest assured you are in good hands. We take pride in our service and obtaining loans for home Purchases, Refinancing and more.
  • Integrity Credit Corporation
  • 500 North State College Boulevard, Suite 1100, Orange, CA, 92868
  • Integrity Credit focus exclusively on financing for residential and commercial properties. Our company was birthed from the need to create a platform where every qualified consumer can be rest assured that they would receive educated solutions, superior customer service, prompt response, and HONEST advice from our qualified professionals.
  • One True Loan Inc.
  • 171 South Anita Drive, Suite 210, Orange, CA, 92868
  • One True Loan is a residential mortgage company based in Southern California. Combined, our team have over 25 years of mortgage experience. Our goal is to provide our clients the best possible customer experience. We service all of California, Idaho, and Oregon; specializing in refinance and purchase money mortgage loans.
  • Landmark Trust Investment Company Inc
  • 1 City Boulevard West, Suite 1120B, Orange, CA, 92868
  • Landmark Trust Investment Company Inc Full-Service Real Estate Brokerage in Southern and Northern California. We believe that our business will grow when we earn our clients’ trust through our expertise, hard work, honesty, kindness, and excellent service. We have learned that this model has allowed our well-served clients to be our best marketers.
  • Coastal Pacific Lending Inc.
  • 1100 Town & Country, Suite 1250, Orange, CA, 92868
  • Coastal Pacific Lending is much more than just a lender. We’re your partner in helping to make your dreams of homeownership your ultimate reality. We take time to listen to your specific needs and to understand your unique situation so we can help match you with a refinance or new mortgage that’ll fit you perfectly.
  • Candor Mortgage Corp
  • 500 North State College, Suite 1100, Orange, CA, 92868
  • Candor Mortgage is a mortgage broker offering lower mortgage rates with an easy and fast loan experience.Uniting 14 years experience with technology and amazing support people, we are delivering a better home loan. We serve all California and Orange County and also our Misssion is To deliver the most customer-centric mortgage.