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.
2 Office Park Cir, Suite 103, Birmingham, AL, 35223
Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.
500 Office Park Dr, Suite 410, Birmingham, AL, 35223
Founded in 2001, Assurance Financial Group was created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time
Commonwealth National Bank has been committed to meeting the financial needs of the communuties it serves. Our goal is to be the preferred institution for everyone seeking an exceptional banking experience by offering comprehensive banking services, competitive rates, personalized service, and supporting causes that impact the community.
The Bank of LaFayette received its original charter from the state of Georgia in 1889. Founded by a group of local investors from the LaFayette and south Walker County area, the bank did not actually begin business for another ten years. On July 18, 1899, The Bank of LaFayette opened for business in a location on the west side of the town square.
Mobile Educators Credit Union was established in 1954 to provide financial services to faculty & staff of the Mobile County School System. Since 1954 we have grown to more than 9,000 members & expanded our field of membership to include anyone who lives, works, or attends school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington Counties.
Blue Flame Credit Union was established in 1954. We now service Spire Energy, Felder Services, and their immediate family members. We are not for profit, not for charity, but for service. At the Blue Flame Credit Union we strive for 100% satisfaction to our members. Our policy is once a member always a member.
The Infirmary Federal Credit Union (TIFCU) was chartered in September 1974, to serve the employees of Mobile Infirmary. As The Infirmary has grown, so has the Credit Union’s field of membership. Please see below for membership eligibility. The Infirmary Federal Credit Union is a not-for-profit, member owned, federally insured financial institution
Jefferson Credit Union is a financial institution based in Hoover, Alabama. Anyone in Jefferson County or any of the surrounding counties can become a member for life with an initial deposit of $5. Our members have access to home mortgages, auto loans, checking accounts, savings accounts, CD's, and many other banking services.
First Fidelity Bank is an exclusive community Bank serving citizens of DeKalb County and surrounding communities. Organized in 1965, First Fidelity Bank has offices in Fort Payne, Rainsville & Ider, Alabama. The Bank is a wholly owned subsidiary of FBDC Financial Corp., a single Bank holding company, headquartered in Fort Payne
