USDA Vs. FHA Pro and Con comparison in St.-Augustine-South, St. Johns County, FL
For the year 2026, the USDA loan ceiling in St.-Augustine-South, located in the county of St. Johns, FL, is set at $310,900. In comparison, the FHA limit for a single-family residence stands at $388,700.
To effectively compare today's optimal USDA versus FHA rates, utilize the Lendersa® USDA loan calculator. This tool also helps identify the necessary income, credit score, reserves, and documents for loan qualification. With our state-of-the-art mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, which empowers you to select the best program in that aligns with your financial goals.
2026 loan ceilings and down payment prerequisites in St.-Augustine-South, county of St. Johns, FL
Loan Type
Loan Ceiling
Down Payment
USDA
$310,900
0%
FHA
$388,700
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA loans in St.-Augustine-South, FL
The aim of Lendersa® is to provide you with a top-notch USDA loan or FHA loan swiftly and seamlessly. Choose from three different starting pathways that link you to suitable lenders and matching USDA loan programs.
A USDA home loan is a government-backed mortgage offered through the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and is specifically available in rural settings. While FHA loans mandate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
Island Home Mortgage is a family owned and operated business led by Michael Eric Kuc. Originally from New York, Michael’s family relocated to Florida in the Orlando area as a child where later, as an adult, he would find his love for St. Augustine, Fl. After several family trips to the area with his wife, Tonya and daughter Berkley,
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Lends in Florida
RMG Mortgage Group, LLC has experienced loan officers and processors who have over twenty years of experience. We are a family owned and operated business. Our goal is not only to meet our customers' expectations, but to surpass them. Mortgage Group, LLC has experienced loan officers and processors who have over twenty years of experience.
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At COAST2COAST MORTGAGE LENDING, LLC, our mission is to make your homeownership dreams a reality with seamless, personalized mortgage solutions. With a dedicated team led by Thornton Miller, we are committed to exceptional service and tailored financial advice. Transform your future—contact us today
cost of homes usually requires a mortgage to make this become a reality. Let Coast2Coast Lending help you with this very important decision. Mortgage rules are changing all the time, let our highly qualified mortgage advisors answer all of your loan questions and concerns.We have mortgage products to fit most borrower’s needs.
Intracoastal Bank is a locally owned and operated community bank. Intracoastal Bank opened in 2008 with the goal of supporting the community by building strong and lasting relationships with our clients. The Bank was established by a team of local residents and business owners with long-standing ties to the community.
1030 Palm Coast Parkway, Suite 3, Palm Coast, FL, 32137
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Community Mortgage Solutions is a small family owned business located in Palm Coast, Florida. We are the longest operating mortgage company in our area. We specialize in residential financing throughout the state of Florida and Community Mortgage Solutions consists of real people helping other real people accomplish their home ownership dreams.
Florida Mortgage Brokerage Inc, where Adam Klayman and his team specialize in residential mortgages in Jacksonville Florida and surrounding area. At Florida Mortgage Brokerage Inc, we will find a loan that fits each borrower. Our consultants know what it takes to get through underwriting quickly.
Families, singles, veterans, retirees, first-time or repeat buyers – no matter who we serve, our #1 goal is to bring a personal approach to the home financing process. We understand that mortgages are much more than just rates and terms. Kris Wiltfong CEO and President of Capstone Mortgage, LLC
