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

In 2025, the allowable USDA loan in St.-Augustine-Shores, within St. Johns county, FL, is $310,900, while the FHA loan limit for a single-family home is $388,700.

Utilize Lendersa® USDA loan calculator to compare USDA and FHA rates today and identify the income, credit, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA side by side to help you decide on the best program for your financial situation in .

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2025 Loan Limits and Down Payment in St.-Augustine-Shores, St. Johns, FL

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

Available USDA and FHA Loan Choices in St.-Augustine-Shores, FL

Lendersa® aims to secure the best USDA or FHA loan quickly. Pick one of three options to connect with lenders and USDA programs.

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USDA Loans Explained in FL

The USDA home loan, backed by the government Department of Agriculture, known as the USDA rural development loan, is accessible exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages require none.

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



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