USDA VS FHA in St.-Augustine-Shores, St. Johns County, FL

In 2026, 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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2026 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?



  • Bank of Bridger
  • 101 South Main, Bridger, MT, 59014
  • Bank of Bridger is your locally owned and operated community bank. With offices in South Central Montana and Northern Wyoming, we provide service and accessibility like no other bank can. Our strength lies in our philosophy to allow local decision making at each of our branches. Bank of Bridger was first Chartered in August of 1915.
  • Price Team Lending
  • 17505 N 79th Avenue, Suite 308, Glendale, AZ, 85308
  • Price Team Lending is a family owned business. The Broker, Donna Price, has 23 years experience in the industry. The company was built on ethics, honesty and service- one happy client at a time. Every client is treated like a family member and every step of the process is explained.
  • Mountain Ridge Mortgage, LLC
  • 20819 North 52nd Avenue, Glendale, AZ, 85308
  • At Mountain Ridge Mortgage LLC. We are a full service mortgage company based in Glendale, AZ. We specialize in Home Purchase Loans and Refinance in Glendale. We also serve the surrounding cities in Maricopa County. Whether you are buying a home or refinancing in any of these zip codes: 85308 and 85310,
  • LUND MORTGAGE TEAM, INC.
  • 7170 W. Camino San Xavier, Suite A-104, Glendale, AZ, 85308
  • We understand at Lund Mortgage Team, Inc. that most people need service outside the typical 9-5 routine. We are a small, local, family owned company, who specializes in Arizona lending. Not only do we have a loan specialist to answer your mortgage questions or pre-qual you for a purchase we will do this at a time convenient for you & your family.
  • Montana Health FCU
  • 3100 2nd Avenue North, Billings, MT, 59101
  • MHFCU is a compassionate, member-oriented $75 million financial cooperative that provides opportunities for financial health and wealth building to members of the Montana Healthcare community and their families through competitively priced financial services delivered by friendly, reliable, fun service providers using the most advanced technology.
  • Carla Marinko - Stockman Bank
  • 402 N Broadway, Billings, MT, 59101
  • Stockman Bank is a Montana born company built on western values, focused on creating long-standing relationships through integrity, expertise and results. We are the largest private, family owned bank in Montana. Founded 1953, in Miles City by William Nefsy, we are Montana's premier financial center for personal, business, agriculture,
  • Yellowstone Bank.
  • 3010 3rd Avenue North, Billings, MT, 59101
  • Yellowstone Bank is pleased to bring a full array of highly competitive products and services to the communities we serve. Drawing on more than 100 years of banking experience, Yellowstone Bank has achieved a strong and growing presence in the financial services marketplace. Yellowstone Bank was founded by B. M. Harris in 1907
  • Western Security Bank
  • 2812 1st Avenue North, Billings, MT, 59101
  • Western Security Bank is a full service, community focused organization serving those who live and work in Yellowstone County, Montana. With conveniently located branches from Laurel to Lockwood, we offer more locations than any other financial institution serving the Billings area. Western Security Bank, A Division of Glacier Bank,
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  • P1 Home Loans 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.
  • Wallinder Mortgage Brokers
  • 746 Grand Avenue, Billings, MT, 59101
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  • Valley Credit Union
  • 207 North Broadway, Billings, MT, 59101
  • Valley Credit Union has proudly served citizens within the Big Sky Country, which now includes 11 counties across Montana and Wyoming. From the beginning, we were founded on the promise to provide accommodating, personalized service, as well as top-notch financial services to our members. Those founding principles are the same driving force
  • Guardian Mortgage
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  • Our mortgage company in Billings, MT brings over 60 years of experience and knowledge to every situation. We can work with your current finances and find the right product for your needs. With our help, you can live in the home of your dreams sooner than you ever thought possible.