USDA and FHA Pro and Con in South-Beach, Indian River County, FL
In 2026, the USDA loan cap in South-Beach, located in Indian River, FL, is $285,000. In comparison, the FHA limit for a single-family home reaches $356,362.
The Lendersa® USDA loan calculator lets you compare today's top rates between USDA and FHA, helping determine the required income, credit score, reserves, and documentation necessary for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting you in choosing the best financial solution in .
2026 Loan Limits and Down Payment Requirements in South-Beach, Indian River, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in South-Beach, FL
At Lendersa®, our goal is to quickly connect you with the best USDA or FHA loan without any hassle. Start by choosing one of three paths to align with lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also called a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans do not require any down payment.
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