USDA Loan Vs. FHA loan pro & con Stock-Island, Monroe County, FL

In 2025, the USDA loan limit for Stock-Island, located in Monroe County, FL, is $0. Meanwhile, the FHA limit for a single-family home is $608,350.

Use the Lendersa® USDA loan calculator to easily compare today's leading USDA and FHA rates. Determine what income, credit, reserves, and documents are needed to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side-by-side, aiding in your decision on the best program for your financial needs in Alabama.

USDA and FHA Loan Options in Stock-Island, FL

Lendersa® strives to connect you with the best USDA or FHA loans quickly and effortlessly. Start with one of three choices to link with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan, backed by the Department of Agriculture and also known as the USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans eliminate any down payment requirement, offering a significant advantage for eligible rural buyers.

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(800) 789-3428 Lender's profile and map Reviews Southern Bancorp (Lending Services ONLY) 400 Hardin Rd, Suite 100, Little Rock, AR, 72211 Southern Bancorp is more than a bank. It is an opportunity center, a place where anyone can receive help no matter where they may be on their financial journey. We provide affordable and responsible banking products and financial development services to rural and underserved communities in the Mid-South.
(501) 225-3636 Lender's profile and map Reviews TruService Community FCU 11001 Hermitage Road, Little Rock, AR, 72211 TruService Community Federal Credit Union is proud to be the first and oldest credit union in Arkansas, chartered in 1930 by U.S. Postal employees. We are federally insured by the National Credit Union Administration (NCUA). TruService owes its existence to the foresight and thrift of the Postal Workers in Arkansas.
(501) 975-3575 Lender's profile and map Reviews Wonder State Mortgage 650 S. Shackleford, Suite 400, Little Rock, AR, 72211 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(501) 614-4600 Lender's profile and map Reviews Benchmark Mortgage 2121 Watt St, Suite B, Little Rock, AR, 72227 Benchmark is a full-service mortgage banker and seller-servicer We are a community of mortgage professionals that are united by the Benchmark core values - success, relationship, dynamic, excellence, positive attitude. Everything we do comes back to these five defined beliefs. Adhering to these values dictates the way we think, manage our business.
(270) 545-3301 Lender's profile and map Reviews Fredonia Valley Bank 602 Cassidy Ave, Fredonia, KY, 42411 On October 30, 1894, a group of men consisting of S.H. Cassidy, W.F. McMurray, H.E. Rice, D.T. Byrd, W.C. Rice, J.C. Elder, J.T. Woolf, William M. Green, S.C. Bennett, A. Boaz, H.C. Rice, W.B. Bennett, M.B. Lowery, and A.S. Threlkeld met for the purpose of organizing a bank in Kelsey, KY. A committee was appointed to solicit stock subscriptions.
(804) 843-2708 Lender's profile and map Reviews Citizens and Farmers Bank 415-14th Street, West Point, VA, 23181 The founders of C&F Bank recognized the need for a strong, solid financial institution that would serve local businesses and the customers that lived and worked in our communities. Through the years, C&F Bank has proved that dedicated, well-trained employees, a commitment to outstanding service & a diverse offering of quality financial products.
(804) 843-2520 Lender's profile and map Reviews Baylands Family Credit Union 2004 Main Street, West Point, VA, 23181 Baylands Family Credit Union was formed over 70 years ago to assist with the financial needs of the West Point paper mill employees and their families. Over time Baylands has grown to become a state-chartered community credit union with a robust platform of services to offer all our members.
(434) 817-8621 Lender's profile and map Reviews Virginia National Bank 222 E Main Sstreet, Charlottesville, VA, 22902 Virginia National Bank opened in Charlottesville, VA in July 1998 with more than 900 local shareholders. As a true community bank, we not only meet the needs of our community, but we are also a part of its growth The VNB story continues to unfold. As we continue to grow, we will never lose sight of the critical ingredients to our continued success.
(434) 325-7229 Lender's profile and map Reviews All Credits Mortgage 360 Stone Creek Point, Suite 302, Charlottesville, VA, 22902 All Credit Mortage are a family-owned mortgage brokerage, specializing in finding home loans for people with all credit scores.Our ability to shop different mortgage investors at wholesale rates allows us to reward customers with a larger range of products, allowing higher and lower credit scores, as well as the best rates for them, nationally
(502) 859-5111 Lender's profile and map Reviews Century Bank of Kentucky, Inc. 201 West Woodford Street, Lawrenceburg, KY, 40342 Century Bank opened in 2000 after a group of enthusiastic Anderson Countians joined with a vision to bring the experience of “hometown banking” back to our community. Because the bank is locally owned and managed, the daily banking decisions are made in Lawrenceburg by local people who know and understand the financial needs of our area.
(270) 351-1414 Lender's profile and map Reviews West Point Bank 600 W. Lincoln Trail Blvd., Radcliff, KY, 40160 West Point Bank is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service.This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.