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.
Check loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $608,350 | 3.5% |
| Conventional Conforming | $608,350 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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