In 2025, 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
Review loan options from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $310,900 | 0% |
| FHA | $388,700 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
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?
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