USDA Vs. FHA your options comparison in Port-St.-Joe, Gulf County, FL
In 2026, the USDA loan limit in Port-St.-Joe, located in the county of Gulf, FL, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Employ Lendersa®’s USDA loan calculator to compare today’s top rates for USDA versus FHA loans. Determine the income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows for a side-by-side view of USDA, FHA, Conforming, and VA options, guiding you to decide the best program for your financial needs in .
Loan Limits and Down Payment Requirements for 2026 in Port-St.-Joe, Gulf, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Port-St.-Joe, FL
Lendersa® is focused on quickly and effortlessly connecting you to the best USDA or FHA loans. Choose from three starting points to find matching lenders and suitable USDA loan programs.
A USDA home loan is backed by the government through the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require none.
At 1st National Bank of Scotia, we rely on our decades of experience both inside and outside the banking industry to help provide our loyal customers with the products and services to fit their needs. Our Board of Directors truly care about providing for our customers and our communities today, tomorrow, and well into the future.
Security State Bank is a full-service community bank located in Scott County, Kansas. On April 24, 1961, Security State Bank of Scott City opened its doors to the public with capital and surplus of $150 thousand dollars. Today the bank’s total assets are over $300 million dollars with total capital in excess of $44 million dollars.
At MyCom FCU we offer competitive rates on auto loans as well as above average interest rates for Certificates of Deposit and Money Market Accounts Our Mission is to continue to promote the basic principle of people helping people, while providing services that meet the diverse and ever changing needs of our membership
Greylock Federal Credit Union is an independent company, wholly owned by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements
Jackson Federal is here to serve our local community and meet all their financial needs.
We offer a full range of products and services to consumers and small businesses. Our
goal is to blend ""personalized service"" with technology and make you our customer. Jackson Federal Savings & Loan Association was chartered in 1892.
"When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.
We have helped thousands of individuals in Minnesota, Iowa and Florida over the years. Whether it was purchasing their first home or refinancing the home where they raised their family
The Pittsfield Cooperative Bank marks over 130 years in business. The Bank has grown quietly and steadily over the years with the unwavering commitment to its customers, employees, and communities. Our story is of family homes funded and dreams realized, and of providing assistance to businesses and entrepreneurs.
First State Bank has been continuously serving the communities of Northeast Nebraska for nearly five generations. Founded in 1887 as The Randolph State Bank, the present-day building stands just one city block from the original site at Broadway and Douglas Street.
Since our beginning we’ve remained a full service, independent community bank.
Tobacco Valley Teachers Federal Credit Union is a member-owned financial institution committed to providing products and services to meet each member's financial needs. We pledge to deliver personalized, competitive and high-quality service. Tobacco Valley Teachers Federal Credit Union represents a pool of money saved by the members.
