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 .

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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?



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  • At 1 Percent Down Mortgages, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you
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  • Preston Federal Credit Union has been open since 1978. The credit union has assets totaling $33.13 Million and provides banking services to more than 2, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
  • NORTHERN KENTUCKY FEDERAL CREDIT UNION
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  • Homeland Credit Union. Homeland has provided financial services to generations of families. While we are proud of our past, we are excited about the opportunity to serve you and your family now and into the future."Credit Union. Homeland has provided financial services to generations of families.
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