USDA VS FHA in Royal-Palm-Estates, Palm Beach County, FL

In 2025, the USDA loan limit in Royal-Palm-Estates, within Palm Beach county, FL, is $322,000. Meanwhile, the FHA limit for a single-family residence is $402,500.

Utilize the Lendersa® USDA loan calculator to evaluate the best current rates for USDA versus FHA loans. 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 your decision about the best program for your financial situation in .

Explore loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Royal-Palm-Estates, Palm Beach, FL

Loan Type Loan Limit Down Payment
USDA $322,000 0%
FHA $402,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Royal-Palm-Estates, FL

The aim of Lendersa® is to connect you with the best USDA or FHA loan quickly and without hassle. Choose from three starting points to find matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

USDA home loans are guaranteed by the Department of Agriculture, also known as USDA rural development loans or USDA mortgages. These are available only in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans do not require any down payment at all.

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



  • Cherokee Strip Credit Union
  • 1508 East Prospect Avenue, Ponca City, OK, 74604
  • Cherokee Strip Credit Union provides some of the best banking, insurance, investment, and financial empowerment solutions in all of Oklahoma. Simply stop by or join us online, and treat yourself to a better way way of banking where you're not a customer - you're the owner. Cherokee Strip Credit Union (CSCU) Established in October 1933.
  • First Bank.
  • 4110 Kell Blvd, Wichita Falls, TX, 76309
  • First Bank has remained strong and successful by focusing on our individual customers and our local communities. You'll see that focus come to life when you visit any one of our five locations in Wichita Falls, Burkburnett, or Iowa Park. You'll find yourself in a Bank where you are greeted with courtesy.
  • Winchester Savings Bank
  • 661 Main Street, Winchester, MA, 01890
  • Winchester Savings Bank is an equal opportunity employer, and all qualified job applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
  • 360 Mortgage Inc.
  • 28 Westwoods Dr, Liberty, MO, 64048
  • At 360 Mortgage Inc. we understand how important this is for each and every one of our clients. As a local broker in Liberty and Baton Rouge, we are able to offer the widest range of products and the lowest mortgage rates available. For over 11 years, 360 Mortgage Inc. has been making homeownership a reality for families
  • Mortgage Investment Services Corp
  • 22316 Midland Drive, Shawnee, KS, 66226
  • Mortgage Investment Services Corporation (“MISC”) is an independent mortgage banking company that provides home loan services solely and exclusively for the customers of 200+ financial institutions, mainly in under-served rural communities in Missouri, Kansas, Oklahoma, Colorado, & Nebraska.
  • Putnam County State Bank
  • 1522 Main Street, Unionville, MO, 63565
  • Mission of Putnam County State Bank is to be a growing & profitable locally owned & directed community bank that provides the benefits of a big city financial institution with the personal service of a small town banking partner. It is our goal to provide unparalleled individual, business & agricultural service by having a friendly, well trained.
  • Transcend Mortgage Inc
  • 40 Eastern Avenue, Suite 219, Malden, MA, 02148
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Midwest Regional Credit Union
  • 7240 State Avenue, Kansas City, KS, 66112
  • MRCU is a full service financial institution located in Kansas City, Kansas that serves the residents & workers of Wyandotte, Johnson, Franklin, Miami, Geary, Coffey, Linn, Anderson, Morris, Osage, Pottawatomie, Riley, Wabaunsee, Leavenworth, and Douglas counties in Kansas and Jackson County in Missouri with offices in Kansas City and Lawrence, KS.
  • The Brady National Bank
  • 101 S. Blackburn St., Brady, TX, 76825
  • Brady National Bank was chartered in 1905 and is the oldest bank in McCulloch County. Our safe and sound banking practices, as well as our ability to meet the needs of our local community, promises we'll be around for another 100 years. We have a long-time history of offering modern financial conveniences while still providing
  • The Commercial National Bank of Brady
  • 105 E. 2nd Street, Brady, TX, 76825
  • Our full service banking offices are located in Brady and San Saba. Our local ownership enables us to deliver an unmatched level of personal service to each and every customer. While we will never stray from our commitment to personal service, we realize that technology is reshaping the way that individuals and customers conduct business.