USDA Vs. FHA your options comparison in South-Apopka, Orange County, FL

In the year 2026, the USDA loan limit in South-Apopka, within Orange county, FL, is $285,000, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to contrast today's leading USDA vs. FHA rates, assessing the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator presents side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding your decision on the best program in for your financial scenario.

Review offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in South-Apopka, Orange, 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 South-Apopka, FL

The aim of Lendersa® is to swiftly secure you the best USDA or FHA loan, effortlessly. Choose one of three starting scenarios that connect you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in FL?

A USDA home loan is a government-guaranteed loan from the Department of Agriculture, also known as a USDA rural development loan or mortgage, available exclusively in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not necessitate any down payment.

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



South-Apopka Lenders

  • One Florida Bank
  • 21 E. Third Street, Apopka, FL, 32703
  • Lends in Florida
  • As a Florida-based bank, we are firmly rooted in our local communities. We believe a locally owned and managed bank better serves your needs, with decisions made locally by an experienced team of bankers and a board of directors steeped in Florida’s entrepreneurial spirit. We are committed to knowing you personally, understanding your needs and goa

  • Scott Capital Finance Inc
  • 2755 Border Lake Road, Suite 105, Apopka, FL, 32703
  • Lends in Florida
  • We offer a variety of services that will fit your companies need. To start any business you must have capital through our capital lending partners we can get you the funds you need to start your business, maintain your business, & even meet short term goals of payroll and more. You can get a quote or estimate easily by filling out the forms online

  • JW CAPITAL
  • 1800 Pembrook Dr. Suite 300, Orlando, FL, 32810
  • Lends in Florida
  • JW Capital Company is a mortgage brokerage. We shop numerous lenders to ensure our clients always get a great deal. Our clients receive wholesale interest rates, faster closings (2 to 3 weeks) and excellent customer service throughout the process. This combined with state of the art technology provides an overall stress free experience.

  • Mortgage Equity Partners, Orlando/Winter Park
  • 5222 Andrus Ave, Suite A, Orlando, FL, 32810
  • Lends in Florida
  • Mortgage Equity Partners is comprised of former leaders and executives from prominent “national lenders.” The principals alone have over 100 years combined experience in the mortgage industry.Your mortgage is one of the most, if not the most, important financial transaction in your life.

  • AdventHealth Credit Union
  • 351 S State Road 434, Suite 1009, Altamonte Springs, FL, 32714
  • Lends in Florida
  • Our mission statement is to empower members to achieve their financial goals. AdventHealth Credit Union is committed in its support to the mission of its sponsor, by providing employees/members with quality service. Our vision statement is to be a member friendly financial institution, adapting to our members needs.

  • Aid Home Loans Inc
  • 2450 N SR 434, Suite 2019, Altamonte Springs, FL, 32714
  • Lends in Florida
  • 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.

  • Central Funding Inc
  • 237 S. Westmonte Dr,Suite 315, Rockledge, FL, 32714
  • Lends in Florida
  • At Infinity Mortgage Group, Inc, where we specialize in residential mortgages. At Infinity Mortgage Group, Inc, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Lend Florida
  • 238 N. Westmonte Dr, Suite 120, Altamonte Springs, FL, 32714
  • Lends in Florida
  • Lend Florida works to bring significant change in people’s lives by providing them suitable mortgage financing options with high attention to customer service, speed, and competitive rates on the mortgage with minimal closing costs. From the purchase of your new home to refinancing, our team is ready.

  • Patriot Home Funding Inc.
  • 982 Douglas Avenue, Suite 100, Altamonte Springs, FL, 32714
  • Lends in Florida
  • The Patriot Home Funding Inc. Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available.At Patriot Home Funding Inc., our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.