USDA Vs. FHA Pro and Con comparison in Stuart, Martin County, FL

For 2025, the USDA loan limit for Stuart, located in Martin county of FL, is set at $345,000. Meanwhile, the FHA limit for a single-family house is $500,250.

Utilize the Lendersa® USDA loan calculator to evaluate and compare current USDA and FHA rates. This tool will help you understand the required income, credit, reserves, and necessary documentation to qualify. Our comprehensive mortgage calculator lets you analyze USDA, FHA, Conforming, and VA loans side-by-side, assisting you in selecting the best option for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Stuart, Martin County, FL

Loan Type Loan Limit Down Payment
USDA $345,000 0%
FHA $500,250 3.5%
Conventional Conforming $726,200 3%

Loan Options: USDA and FHA in Stuart, FL

The aim of Lendersa® is to secure the most suitable USDA or FHA loan for you swiftly and effortlessly. Begin with one of three starting points to find matching lenders and USDA loan solutions.

Lendersa USDA loan request and matching results

An Insight into USDA Loans in FL

A USDA home loan is secured by the government's Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which demand a minimum 3.5% down payment, the USDA mortgage requires no down payment.

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



  • 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.
  • Mound City Bank
  • 25 East Pine Street, Platteville, WI, 53818
  • Founded in 1915, Mound City Bank are committed to our customers, communities & our employees; specializing in personal, mortgage, agricultural, commercial & trust banking services. Our team of professionals will work with you one on one to ensure you have the right products & services that fit your needs.
  • Clare Bank, National Association
  • 345 W. Pine St., Platteville, WI, 53818
  • Clare Bank was originally started as State Bank of Platteville in 1905. Clare Bank is a strong community bank in Southwest Wisconsin with eight locations. There are seven locations in Grant County and one in Lafayette County. The main branch is located in Platteville and the seven remaining branches are conveniently located within 30 miles.
  • Mayville Savings Ban
  • 200 S. Main St., Mayville, WI, 53050
  • On February 1, 1922, the Mayville Savings and Loan Association first opened for business. Our local “Building & Loan” was created to serve two local needs — first, to promote housing by offering affordable home loans to all residents and second, to provide a means for people to safely save money by depositing small sums on an installment basis.