USDA Vs. FHA Pro and Con comparison in St.-Augustine-South, St. Johns County, FL
For the year 2025, 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.
2025 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.
1101 Perimeter Drive, Suite 460, Schaumburg, IL, 60173
American Financial Mortgage Services, Inc. was founded in June, 1993. We have survived the economic recessions that have hit this country by providing our customers with low rates and low costs on all our mortgage products. The average loan officer at American Financial Mortgage Services.
917 North Plum Grove Road, Suite C, Schaumburg, IL, 60173
Since 2003, Creative Lending Solutions has been making it easier to procure the best commercial real estate financing available. Our long-term relationships with national banks, local banks and conduit leaders uniquely position us to find high-value borrowing opportunities for our clients.
1700 East Golf Road, Suite 100, Schaumburg, IL, 60173
HomeTown Lending Partners we want to make your loan experience satisfying and rewarding. Our seasoned Mortgage Consultants will carefully guide and educate you through the entire home loan process, so you feel confident as you make choices about the many options available for your financing strategy
1375 Remington Road, Suite C, Schaumburg, IL, 60173
Dimitre Dimitrov Owner of Connect Mortgage Corp in Schaumburg, IL. I have learned how to structure all types of deals and provide quality service for all of my clients. If you are looking for a good mortgage broker I am available to offer same day pre approvals, personally monitor your transaction and offer face to face appointments.
850 E Higgins Rd, Suite 125W, Schaumburg, IL, 60173
We are a full-service mortgage company based in Schaumburg, IL. We specialize in FHA Loans and Conventional Loans in Chicagoland area and across IL. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment
475 North Martingale Road, Suite 100, Schaumburg, IL, 60173
Key Mortgage is a full-service financial products provider consistently ranking among the top lenders in Chicagoland. The company has twice been named a Top Employer by National Mortgage Professional magazine and a top lender by Chicago Agent magazine. It has also been recognized for excellence both in Illinois and nationally by Ask a Lender.
1300 E Woodfield Rd, Suite 304, Schaumburg, IL, 60173
Zachary Karp Mortgage Team understands that a home is one of the most important financial decisions you’ll make. A home can have more value than just an investment though; it’s where you raise your family, become engulfed in a community, and never question the feeling of home.and Zachary Karp is your local and trusted Schaumburg mortgage lender.
1475 E Woodfield Rd, Suite 110, Schaumburg, IL, 60173
HomeTrust Mortgage Corporation is a Mortgage Banker that provides high quality financial services to the public. HomeTrust was founded in 1995 It is our mission to provide high quality mortgage programs at the most competitive rates. We fund Conventional, FHA, VA, and Jumbo mortgages tailored to your unique situation.
Niagara’s Choice Credit Union We are a full-service, not-for-profit, financial organization serving over 24, 000 members. The majority of our member base is within Niagara County, we serve members who live across the United States.
The credit union was founded in 1953 by a small group of employees of the former Hooker Chemical Company.
