In 2026, the USDA loan limit in Royal-Palm-Beach, a part of Palm Beach county, FL, is set at $322,000. Meanwhile, for a single-family home, the FHA limit reaches $402,500.
Lendersa® offers a USDA loan calculator to compare today's best rates for USDA versus FHA loans, helping you determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the most suitable loan program in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $322,000 | 0% | |
| FHA | $402,500 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to promptly secure the best possible USDA or FHA loans without hassles. Choose from one of three initial strategies to connect with lenders and explore relevant USDA loan options.
A USDA home loan, backed by the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage. It is specifically offered in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment whatsoever, offering an appealing option for qualified borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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