FHA Vs. USDA loan program for Point-Baker, Santa Rosa County, Florida

In 2026, the USDA loan cap in Point-Baker, Santa Rosa county, FL, is $299,000. In contrast, the FHA limit for a single-family home is $356,362.

Leverage Lendersa®’s USDA loan calculator to compare today’s top USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best program for your financial needs in .

USDA and FHA Loan Options in Point-Baker, FL

Lendersa® aims to connect you with the best USDA or FHA loans quickly and without hassle. Choose from three starting points to find matching lenders and USDA loan programs.

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About USDA Loans in FL

A USDA home loan is backed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is accessible only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans need no down payment.

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Point-Baker Lenders
(850) 623-3877 Lender's profile and map Santa Rosa County Federal Credit Union 5909 North Stewart St, Milton, FL, 32570 Lends in Florida Santa Rosa County Federal Credit Union is committed to getting you the financial services you need when you need them. We have an array of online services which ensure that you are in control of your personal finances at all times. To become a member of Santa Rosa County Federal Credit Union, you must first be eligible for membership.
(850) 474-0970 Lender's profile and map Central Credit Union of Florida 1200 E Nine Mile Rd, Pensacola, FL, 32514 Lends in Florida CCUFL started as West Florida Central Credit Union in 1962. For almost 60 years, CCUFL has shown what a credit union really is... people helping people. CCUFL has strived to be a community credit union by incorporating the membership and values of the credit unions that have come together to form Central Credit Union of Florida.
(850) 530-7943 Lender's profile and map Rapid Rate Mortgage LLC 8680 Scenic Hwy, Pensacola, FL, 32514 Lends in Florida "Rapid Rate Mortgage is a mortgage brokerage that uses our cutting edge technology to help those with less than perfect credit scores qualify for a home. Realtors love our Loan Portal System where they can log in any time of the day and print off a pre-qualification letter for any amount less than the buyer's max budget."
(850) 505-3200 Lender's profile and map Pen Air FCU 1495 E. Nine Mile Road, Pensacola, FL, 32514 Lends in Florida At Pen Air Federal Credit Union respect is a guiding principle. An unshakeable belief in dreams and the can-do attitudes that make them real. As the largest and oldest local credit union in Pensacola, Florida with $2.3 billion in assets, we are dedicated to enhancing lives through exception service
(850) 857-4328 Lender's profile and map Harvesters Credit Union PO Box 5, Cantonment, FL, 32533 Lends in Florida Harvesters Credit Union began serving the employees and families of what is now International Paper in 1948. In 2003, we became a community charter credit union and opened our doors to anyone living, working, worshiping or attending school in Escambia and Santa Rosa counties. Since then, we’ve grown to serve over 20,000 members.
(850) 857-4328 Lender's profile and map Harvesters Mortgage Express 400 S. Hwy 29, Cantonment, FL, 32533 Lends in Florida Harvesters Credit Union began serving the employees and families of what is now International Paper in 1948. In 2003, we became a community charter credit union and opened our doors to anyone living, working, worshiping or attending school in Escambia and Santa Rosa counties. Since then, we’ve grown to serve over 20, 000 members
(850) 682-2225 Lender's profile and map OKALOOSA COUNTY TEACHERS FEDERAL CREDIT UNION 1126 North Ferdon Blvd, Crestview, FL, 32536 Lends in Florida Okaloosa County School Board, Okaloosa Walton Junior College and St. Mary’s. It was formed with the help of a few local residents in north Okaloosa County. The first credit union building was a very small house behind the bus stop at Richbourg Middle School on Anderson Street in Crestview.
(850) 398-4248 Lender's profile and map Blue Sand Mortgage, Inc 301 S Ferdon Boulevard, Suite E, Crestview, FL, 32536 Lends in Florida We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.