USDA and FHA Pro and Con in St.-Augustine, St. Johns County, FL

In 2026, USDA loan limits for the St.-Augustine, within St. Johns county, FL, are set at $310,900. Meanwhile, the FHA cap for a single-family home is $388,700.

Employ the Lendersa® USDA loan calculator to compare today’s competitive USDA and FHA rates. Assess what income, credit, reserves, and documents you need for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting your decision on which program is ideal for your unique financial needs.

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Loan Limits and Down Payment Requirements for 2026 in St.-Augustine, County of St. Johns, FL

Loan Type Loan Limit Down Payment
USDA $310,900 0%
FHA $388,700 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Alternatives in St.-Augustine, FL

Lendersa® aims to swiftly provide the most suitable USDA or FHA loan options with ease. Choose one of three starting approaches that result in matching lenders and available USDA loan programs.

Lendersa USDA loan requests and match results

Understanding the USDA Loan in FL

A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is offered exclusively in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages require no down payment, making them a viable option for qualified buyers.

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



  • TrustLine Mortgage, Inc.
  • 6101 Gazebo Park Place North, Suite 108, Jacksonville, FL, 32257
  • TrustLine Mortgage, Inc. has been a leading mortgage banker in Florida since 1989. we are committed to offering our clients the most competitive and innovative mortgage loan products and best customer service available anywhere. TrustLine Mortgage offers a variety of lending options designed to meet your specific needs.

  • NuView Mortgage LLC
  • 14603 Beach Blvd, Suite 600, Jacksonville Beach, FL, 32250
  • At NuView Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you

  • Future Financial LLC
  • 315 11th Ave. North, Jacksonville Beach, FL, 32250
  • Future Financial LLC, you can guarantee that our team of mortgage professionals puts your future first. Combined, we have over 20 years of financial experience, and have facilitated over $1,000,000,000 in mortgage loans. As a team, we have over 1,000 5-star reviews illustrating our founding principles of stellar customer service.

  • First South Mortgage LLC
  • 4432 Crooked Creek Drive, Jacksonville, FL, 32224
  • First South Mortgage, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Triad Financial Services, Inc.
  • 13901 Sutton Park Drive South, Suite 300, Jacksonville, FL, 32224
  • Triad Financial Services, Inc. is one of the oldest and most trusted lenders in the manufactured home industry with over 60 years of lending experience. Triad is trusted by customers, dealers, lending institutions and realtors alike and has helped tens of thousands of families realize their American Dream of homeownership.

  • First Florida Financial, Inc
  • 13400 Sutton Park Dr South, Suite 1502, Jacksonville, FL, 32224
  • First Florida Financial, Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Alive Credit Union
  • 9790 Touchton Road, Jacksonville, FL, 32246
  • Our Vision is to be the healthcare community's first choice for financial solutions. Our Mission is to provide distinctive value to our members and to foster economic opportunities within our communities. Our Core Values are Professionalism,Responsiveness, Integrity, Dependability, and Empathy.

  • RiverStone RECAP
  • 4600 Touchton Road, Suite 1150, Jacksonville, FL, 32246
  • RiverStone RECAP is a Mortgage brokerage firm that Represents Owners in finding the best Commercial real estate loan for their needs. Simply put, We specialize in : Commercial Real Estate Refinancings, Refinancing Mortgages under $10 Million, Long term, Fixed-rate, Non-Recourse Loans.

  • Mortgage Management, LLC
  • 2529 Universtiy Blvd. W., Jacksonville, FL, 32217
  • 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.

  • Berkshire Hathaway HomeServices Florida Network Realty - St. Augustine
  • 4190 Belfort Rd, Suite 475, Jacksonville, FL, 32216
  • Berkshire Hathaway HomeServices is a brand-new real estate brokerage network built for a new era in residential real estate. The brand, among the few organizations entrusted to use the world-renowned Berkshire Hathaway name, brings to the real estate market a definitive mark of stability, strength, quality and innovation.

  • Mortgages By Linda
  • 8833 Perimeter Park Blvd, Suite 403, Jacksonville, FL, 32216
  • Linda has been in the mortgage business for 19+ years and is licensed with the NMLS (National Mortgage License System) for Florida. Living in the North Florida area since 1987 has given her a great understanding of the surrounding areas offering relevant and reliable information.

  • Abraham Mortgage LLC
  • 3084 Bellechase Court, Jacksonville, FL, 32216
  • 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