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.
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