USDA Vs. FHA Pro and Con comparison in Stock-Island, Monroe County, FL

In 2025, USDA loan limit in Stock-Island, county of Monroe, FL is $0 while FHA limit is $608,350 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Stock-Island, county of Monroe, FL

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $608,350 3.5%
Conventional Conforming $608,350 3%

USDA and FHA loan options in Stock-Island, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Piscataqua Savings Bank
  • 15 Pleasant Street, Portsmouth, NH, 03801
  • Piscataqua Savings Bank is a Mutual Savings Bank and a Certified B Corp dedicated to providing financial services and support to members of the Portsmouth community. Since 1877, we have remained committed to our core values to provide quality service and competitive products in a manner consistent with sound and prudent banking practices
  • Northeast Credit Union
  • 100 Borthwick Avenue, Portsmouth, NH, 03801
  • We're passionate problem-solvers and people-helpers who like to have fun. We ask questions and find answers. Everything we do starts with Teamwork, Integrity, Respect and Excellence and we thrive on it for the benefit of our employees, and our community. We are proud to be a part of something bigger than ourselves.
  • X5 Home Loans LLC
  • 300 Constitution Avenue, Suite 202, Portsmouth, NH, 03801
  • "5 things you can expect from X5 Home Loans 1. Communication. Always know exactly where things stand. 2. Availability. Here for you whenever you need us. 3. Speed. Fast closings and quick answers to your questions. 4. Simplicity. A clear process that’s easy to understand. 5. Guidance. Personalized advice to navigate your options."
  • The Mortgage Hotline, LLC
  • 110 Brewery Lane, Suite 202, Portsmouth, NH, 03801
  • The Mortgage Hotline is a full service mortgage broker. We started The Mortgage Hotline to guide you through today's complex world of acquiring a mortgage. We have integrated cutting edge technology with experienced loan officers to create the best personal experience in the mortgage industry. Every mortgage is designed to fit your needs.
  • Service Federal Credit Union
  • 3003 Lafayette Road, Portsmouth, NH, 03801
  • Service Credit Union is a not-for-profit, member-owned financial cooperative with 50 branch locations in New Hampshire, Massachusetts, North Dakota and Germany. Our mission is to do what is right for our members to improve financial well-being, support the communities we serve and create value and enduring relationships.
  • Cousins Home Lending, Inc
  • 1 New Hampshire Avenue, Suite 125, Portsmouth, NH, 03801
  • Cousins Home Lending, Inc. was established by Anna-Lisa Cousins in December 2002, who has has been in the mortgage banking industry for over 25 years. Anna-Lisa received a B.S. in Financial Management from Franklin Pierce College. Anna-Lisa finds her home in the small town of Greenland, NH with her husband and two sons.
  • The Farmers State Bank of Waupaca
  • 112 West Fulton Street, Waupaca, WI, 54981
  • The Farmers State Bank of Waupaca was founded in 1911 by a board of directors and is one of the oldest financial institutions in the Waupaca. Its purpose is to give our customers the most modern banking services, in an environment of friendliness and fairness. To maximize our return to shareholders, while making sound decisions today
  • Vermont VA Federal Credit Union
  • 1285 VA Cutoff Road, White River Junction, VT, 05001
  • Vermont VA Federal Credit Union has been open since 1939. It's the 12th largest credit union in Vermont with assets totaling $32.41 Million and providing banking services to more than 2, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services
  • Mascoma Savings Bank
  • 263 Maple Street, White River Junction, VT, 05001
  • Mascoma Bank is a mutually owned bank and not for sale. With no shareholders to please, we are committed to remaining independent and to re-investing profits in our community. Our first priority has always been—and always will be—you, our customers. We are different than other banks and give you the security of a long-term relationship.
  • i3 Bank
  • 12212 North 156th Street, Bennington, NE, 68007
  • i3 Bank began in February 1928 by father and son, Charles F. Roe and Harold E. Roe. In 1971, Harold's son, Jerry E. Roe, became president of the i3 Bank. Jerry's daughter, Leslie R. Andersen, succeeded her father as president in 1994. This ninety-one year old bank is being managed by a member of the 4th generation of the founding family where profe
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  • 1155 County Road D, Almond, WI, 54909
  • At The Portage County Bank we offer our customers a complete line of deposit services. We have checking accounts, savings accounts, money market accounts and certificates of deposits with various maturities and rates. We also have regular IRA and Roth IRA Accounts. Whatever type of account you are looking for The Portage County Bank has it for you.