USDA Vs. FHA your options comparison in Pretty-Bayou, Bay County, FL

In 2025, USDA loan limit in Pretty-Bayou, county of Bay, FL is $285,000 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.

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2025 loan limits and downpayment requirments in Pretty-Bayou, county of Bay, FL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Pretty-Bayou, 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?



  • The Potter State Bank of Potter
  • Front And Chestnut, Potter, NE, 69156
  • We are a family owned, independent community bank, with offices in Potter and Kimball, Nebraska, with ATM’s located in Potter, Dix and Kimball. The Bank’s commitment to the tri-state region is evidenced by five generations of community bankers in our family. They have served the banking needs of our customers spanning two centuries
  • NorthRidge Community Credit Union
  • 283 Kennedy Memorial Drive, Hoyt Lakes, MN, 55750
  • The NorthRidge Community Credit Union is a progressive, family oriented, member owned and operated financial organization offering a broad range of personalized financial services including auto loans, personal loans, mortgage loans, commercial loans and deposit products including Kasasa rewards checking.
  • Island View Private Loan Fund
  • 2139 Chuckwagon Road, Suite 315, Colorado Springs, CO, 80919
  • Island View Private Loan Fund’s (IVPLF) core investment strategy focuses on private lending to entities purchasing real estate such as non-owner occupied houses, fix and flip properties, and 1-4 unit rental properties. While most private loans or asset-based lenders rely primarily upon the value of the real estate backing the mortgage to determine
  • Indigo Mortgage Colorado
  • 6805 Corporate Drive, Suite 115, Colorado Springs, CO, 80919
  • At Indigo Mortgage Colorado, we always say that “no one cares more about your mortgage loan”. We believe our borrowers experience a different relationship when they work with the certified staff at Indigo Mortgage Colorado. We take pride in the fact that you’ll work with the same Indigo Mortgage Colorado professional throughout your loan process
  • Age In Place Mortgage
  • 913 Dancing Horse Drive, Colorado Springs, CO, 80919
  • Age In Place Mortgage Company to provide mortgages at lower costs than the Big National Banks, and impersonal High-Overhead lending institutions, and pass the savings on to my clients. I provide personalized service to borrowers on Colorado’s Front Range communities from Colorado Springs north to Denver and Ft. Collins without requiring my clients
  • Lendello Mortgage
  • 6385 Corporate Drive, Suite #301, Colorado Springs, CO, 80919
  • From your first home purchase to a refinance or specialty loan program, Lendello has the knowledge, integrity and experience to guide you through the entire process from start to finish. We make securing a mortgage simple and straightforward by offering you access to the most advanced financial tools
  • Red Rock Capital
  • 2139 Chuckwagon Road Suite 315, Colorado Springs, CO, 80919
  • Red Rock Capital’s founder and President Joshua Manier has been involved in multiple facets of real estate investing for the past 20+ years. These activities have included: loan originating, underwriting, servicing, and actively managing private mortgage funds. Mr. Manier is responsible for oversight of: investor relations, loan sales/trading, loan
  • Farmers & Merchants State Bank of New York Mills, Incorporated
  • 11 Walker Avenue North Otter Tail, New York Mills, MN, 56567
  • Farmers & Merchants State Bank is a local bank serving our community’s financial needs with quality products and services. We are committed to exceeding our customers’ expectations with our friendly and professional staff. As a local, independent bank, we do not offer risky products and we pride ourselves on knowing our customers
  • The First National Bank of Gilbert
  • 2 North Broadway, Gilbert, MN, 55741
  • We offer a wide variety of checking accounts and savings plans to suit your special needs. As we are an independent bank serving the Iron Range area since 1908, our products and services are designed for customers within our local community. We're here to serve you, in a prompt, efficient, and friendly manner.
  • Precision Mortgage Group
  • 920 N Telshor Blvd, Suite B, Las Cruces, NM, 88011
  • At Precision Mortgage, we’re dedicated to giving each customer a great experience. Our local home Loan Originators have decades of combined experience in the mortgage industry & can help you reach your short- and long-term goals. Our local specialists have the resources of a huge national mortgage company & the friendly attitude of your neighbors.
  • Hibbing Cooperative Credit Union
  • 217 West 42nd Street, Hibbing, MN, 55746
  • Hibbing Co-op Credit Union (HCCU) has been serving the communities of the Iron Range and the neighboring area with a complete array of financial services since 1939. HCCU is a non-profit, member owned cooperative financial institution with membership privileges available to all residents of northern Minnesota.