USDA Loan Vs. FHA loan for South-Bay, FL 2026

In 2026, the USDA loan limit for a single-family home in South-Bay, Palm Beach, FL is set at $322,000, while the FHA loan cap is $402,500.

Lendersa® offers a USDA loan calculator to assess the finest USDA and FHA rates available today. It also helps you evaluate income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the right option for your financial scenario in <Alabama>.

Exploring USDA and FHA Loan Options in South-Bay, FL

At Lendersa®, our aim is to promptly provide you with the most suitable USDA or FHA loan options without unnecessary delays. Choose one of the three pathways to align with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in FL

A USDA home loan, backed by the United States Department of Agriculture, also known as a USDA rural development loan or mortgage, is only available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, there is no down payment requirement for USDA mortgage loans.

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(225) 228-0202 Lender's profile and map Reviews Pelican Home Lending 8768 Quarters Lake Road, Suite 5, Baton Rouge, LA, 70809 At Pelican Home Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(225) 313-6189 Lender's profile and map Reviews Reliant Home Lending 8550 United Plaza Boulevard, Suite 702, Baton Rouge, LA, 70809 At Reliant Home Lending We make it easy & worry-free to reduce your interest rate & monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan! Tapping into your home equity is easier than ever before. You’ve been paying down your balance.
(225) 291-7901 Lender's profile and map Reviews KEY LENDING SOULTIONS 10311 Jefferson Hwy, Suite B3, Baton Rouge, LA, 70809 Key Lending Solutions(KLS) is a local, full service mortgage company licensed in Louisiana and Mississippi specializing in purchase and refinance loans. KLS opened its doors in 2003, and our staff of licensed professionals has a combined experience of over 100 years originating, processing, and closing mortgage transactions.
(225) 975-0000 Lender's profile and map Reviews Area Home Lending 1737 Oakdale Dr, Baton Rouge, LA, 70809 Our goal is to give you options from all of the largest nationwide investors, with the local service you deserve. Free Approval for FHA, VA, RD/Rural Development, Conventional, Jumbo, First Time Homebuyer programs and more. Also specializing in HUD homes, Bank Repo's, Foreclosures, and more.
(225) 664-0360 Lender's profile and map Reviews DSLD Mortgage 7660 Pecue Lane, Suite 300, Baton Rouge, LA, 70809 We want to create the best customer experience when you are purchasing your home. Our reputation lies in the trust and respect that we have earned from our homeowners across the South. We pride ourselves in our outstanding customer satisfaction, accuracy and our ability to close your loan on time. DSLD Mortgage will lead, support,
(256) 216-0202 Lender's profile and map Reviews COURTESY FIRST HOME LENDERS 110 N Marion St, Athens, AL, 35611 Courtesy First Home Lenders was incorporated on January 29th, 2004 for the purpose of providing our community with quality mortgage products and exemplary service. After spending 23 years in all areas of the financial services industry and additional 4 years specializing in mortgage originations I felt the time was right to open a local
(423) 282-0671 Lender's profile and map Reviews Select Seven Credit Union 333 East Main Street, Johnson City, TN, 37601 Select Seven Credit Union was originally called Pet Dairy Employees Federal Credit Union and received a federal charter on March 15, 1949. The original charter covered the employees of Pet Dairy Products Company in several southeastern states. we offer members a tremendous choice of financial products such as loans for almost every purpose.
(423) 283-4300 Lender's profile and map Reviews Greater Eastern Credit Union 2110 West Mountcastle Drive, Johnson City, TN, 37604 Greater Eastern Credit Union was chartered in 1952 as a non-profit financial institution for employees of the Mountain Home Veterans Administration Medical Center. From our humble beginnings, we have consistently provided our members with quality financial products and exceptional service.
(225) 767-3056 Lender's profile and map Reviews Neighbors Federal Credit Union 12529 Perkins Road, Baton Rouge, LA, 70810 Neighbors Federal Credit Union is a not-for-profit financial cooperative operating as an association dedicated to "people helping people." A handful of educators started Baton Rouge Teachers in 1954 with a shoe box, a couple hundred dollars and the goal of making financial services available to school system employees in our area.
(423) 975-0025 Lender's profile and map Reviews Beacon Financial 1102 W. Market St, Suite 20, Johnson City, TN, 37604 Beacon Financial is a mortgage broker with operations in one state. Beacon Financial offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA & VA mortgages. Beacon Financial is a FREEandCLEAR Certified Gold Low Rate Lender. Our mission is to provide financial products & services that add superior value to membe
(423) 232-5097 Lender's profile and map Reviews HomeWorks Community Lending 214 East Watauga Avenue, Johnson City, TN, 37601 We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.
(423) 262-8522 Lender's profile and map Reviews Encore Lending Group 206 Wesley St., Johnson City, TN, 37601 ENCORE LENDING we make your lending expectations our priority. We understand that teamwork between the lender, real estate agents, and insurance companies and title companies is required.When you are ready to better understand your financial choices in home ownership, contact the one Lender that specializes.