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?



  • A+ Mortgage Services, Inc.
  • W188 S7820 Racine Av, Suite 100, Muskego, WI, 53150
  • A + Mortgage Services, Inc. we pride ourselves on offering each of our clients, world class, customer care. It is our commitment to deliver for you the best products available at the absolute lowest price in the market. We do this by our relentless, constant search for the lowest market price by selling our loans direct into the secondary market.
  • Westfield Bank
  • 141 Elm Street, Westfield, MA, 01085
  • Westfield Bank is a federally chartered stock savings bank headquartered in Westfield, Massachusetts. Founded in 1853, Westfield Bank offers a comprehensive line of commercial and personal banking products and services to customers in Western Massachusetts and Northern Connecticut.
  • FIRSTOAK BANK
  • 113 N. Penn Ave, Independence, KS, 67301
  • FirstOak Bank’s mission is to continue to develop and sustain a sound, profitable institution that will generate reasonable returns for its stockholders, be a chosen place of employment, and serve the financial needs of its customer base and the communities it serves. we will exceed your expectations as a friendly.
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  • Eddie Fooshang is a Residential Mortgage Loan Originator. As a teen age boy in Egypt, he was fascinated with America through his favorite show “Walker Texas Ranger”. He dreamt of the day he would move to the USA, & specifically Texas to live the American Dream! His love for America and the American dream made him so passionate about home ownership.
  • Austin Mortgage Associates
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  • Wisconsin Wholesale Mortgage
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