USDA Vs. FHA Pro and Con comparison in Port-Salerno, Martin County, FL

For 2026, the USDA loan limit for Port-Salerno in Martin, FL is $305,400, while the FHA limit for a single-family home stands at $381,800.

To compare today's best USDA and FHA rates, use the Lendersa® USDA loan calculator. It determines the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, assisting in deciding which program in best suits your financial plans.

Review loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Port-Salerno, Martin, FL

Loan Type Loan Limit Down Payment
USDA $305,400 0%
FHA $381,800 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Port-Salerno, FL

The goal of Lendersa® is to efficiently connect you with the best USDA or FHA loans without hassle. Start by choosing one of three options to match with lenders for USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in FL?

A USDA home loan, also known as the USDA rural development loan, is a mortgage guaranteed by the government Department of Agriculture, available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans need no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Pineland Bank
  • 501 W 12th St, Alma, GA, 31510
  • Pineland Bank began as Alma Exchange Bank & Trust and was chartered on September 13, 1939 in Alma GA when directors Valene Bennett, Nathan Cohen, M E Jones, John Mullis and J F Ramsey received permission to convert Alma Exchange Credit Union to a state chartered financial institution.

  • SYNERGY MORTGAGE GROUP, LLC
  • 2567 Capital Medical Blvd,, Tallahassee, FL, 32308
  • Synergy Mortgage Group is a Florida-based company dedicated to educating first timers about the ins and outs of the home buying experience. Our ultimate goal is to assist consumers with qualifying for a mortgage and negotiating low interest rates to ensure long-term success.Our experienced practitioners have helped open doors for the customers.

  • American Financial Network, Inc.
  • 2450 Tim Gamble Place, 2nd Floor, Tallahassee, FL, 32308
  • AFS MORTGAGE, INC. - Tallahassee, FL strives to ensure that its services are accessible to people with disabilities. AFS MORTGAGE, INC. - Tallahassee, FL has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,

  • Mercy Federal Credit Union
  • 11705 Mercy Blvd, Savannah, GA, 31419
  • Mercy Federal Credit Union was chartered on April 12, 1976 with fourteen employees of St. Joseph Hospital being the charter members. They elected a board of directors, a supervisory committee and a credit committee and began accepting members.

    To provide personal, professional service while offering a variety of products

  • HARBOR MORTGAGE COMPANY
  • 785 King George Boulevard, Suite 201, Savannah, GA, 31419
  • Harbor Mortgage Company, has been working in finance since he graduated from the University of Alabama in 1992 with a degree in corporate finance and investment management. After spending nearly a decade helping clients finance and invest in properties, Mr. Soderlind opened Harbor Mortgage Company in 2001.

  • GeoVista Federal Credit Union
  • 601 W Oglethorpe Hwy, Hinesville, GA, 31313
  • GeoVista Credit Union was founded as Fort Stewart Georgia Federal Credit Union in 1964 in Hinesville, GA. In 2007, we expanded to include all individuals and families within Bryan, Bulloch, Chatham, Effingham, and Liberty Counties, as well as Fort Stewart and Hunter Army Airfield.

  • Dove Mortgage, Inc.
  • 617 Windhaven Drive, Hinesville, GA, 31313
  • Dove Mortgage, Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you

  • Moody Mortgage Corporation
  • 108 S Commerce St, Hinesville, GA, 31313
  • At Moody Mortgage Corporation we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you. Moody Mortgage Corporation works with multiple lenders.

  • FHG Capital
  • 1334 Timberlane Road, Suite 15, Tallahassee, FL, 32312
  • FHG Capital team is proud to serve the lending needs of homeowners and home buyers in Florida. Our hands-on approach helps each of our clients understand the mortgage process Now more than ever it is important to have an experienced mortgage team helping you through the home loan process.

  • Savannah Postal Credit Union
  • 22 Ogletthorpe Professional Blvd, Savannah, GA, 31406
  • Savannah Postal Credit Union is a State-chartered credit union incorporated June 6, 1952. For more than 53 years we have existed solely for the purpose of serving our members' best interests. The credit union was originally established for employees of the United States Postal Service. Today we serve 10 employee groups in Savannah

  • American Financial Services Group
  • 7712 Waters Ave, Savannah, GA, 31406
  • American Financial Services is one of the oldest loan companies in Savannah. Our first office opened in 1956, and we still proudly serve people of Chatham County and the nearby towns sixty years later. In 2010, American Financial Services merged with Coastal Finance Company and relocated to the present location at 7712 Waters Ave, Savannah, GA.