USDA Loan Vs. FHA loan pro & con Surfside, Miami-Dade County, FL

In 2026, the loan limit set by the USDA for a single-family dwelling in Surfside, within the county of Miami-Dade, FL is $0. In contrast, the FHA imposes a limit of $557,750 for similar properties.

Utilize Lendersa®'s specialized USDA loan calculator to conduct a thorough comparison between the current USDA and FHA best rates. This tool allows you to evaluate the income requirements, credit score, reserves, and necessary documentation needed to qualify. Featuring our sophisticated mortgage calculator, you can compare side by side the USDA, FHA, Conforming, and VA loan options, ultimately assisting you in determining which financing program within suits your unique financial situation best.

Explore USDA and FHA Loan Possibilities in Surfside, FL

The ambition of Lendersa® is to swiftly provide you with the most favorable USDA or FHA loans, conveniently and with minimal hassle. Begin by choosing one of the three pathways that lead to discovering matching lenders and suitable USDA loan programs tailored to your needs.

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An Introduction to USDA Loans in FL

The USDA home loan, officially supported by the U.S. Department of Agriculture, is commonly referred to as the USDA rural development loan or USDA mortgage. This government-guaranteed loan is exclusive to rural neighborhoods. Unlike FHA loans necessitating a down payment of at least 3.5%, the USDA mortgage does not require any down payment at all, making it an appealing option for eligible borrowers in rural areas seeking homeownership with minimized upfront financial commitments.

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(706) 657-5678 Lender's profile and map Reviews Citizens Bank & Trust, Inc. 12255 South Main Street, Trenton, GA, 30752 Citizens Bank & Trust, Inc. provides banking services. The Company offers savings and deposit accounts, personal and business loans, cash management, online, and mobile banking services. Citizens Bank & Trust serves customers in the United States. Citizens Bank & Trust has branches in Trenton, GA, Lookout Mountain, GA, and Higdon, AL.
(706) 657-6842 Lender's profile and map Reviews Bank of Dade Trenton 12634 North Main Street, Trenton, GA, 30752 The Bank of Dade eventually moved to its current convenient location at the corner of U. S. Highway 11 and Georgia Avenue in the heart of Trenton’s business area where it has enjoyed a steady, consistent growth and is proud to have played a part, and to continue to play an even more important part, in the growth and development of Dade County.
(919) 414-4430 Lender's profile and map Reviews Amy Bonis Mortgage Team 10224 Durant Road, Suite 207, Raleigh, NC, 27614 Amy is a very passionate woman who takes the business of mortgage banking and helping people realize their dream of financial independence very seriously. She started in mortgage banking in Los Angeles in the early 1990’s and her business has bloomed. She is now one of the top loan officers in the country NMLS# 106455.
(423) 629-2578 Lender's profile and map Reviews Southern Credit Union 508 National Avenue, Chattanooga, TN, 37404 Our mission is to serve as our member's primary financial institution by providing competitive products and services with superior customer service and delivering those services utilizing technology by a highly trained and motivated staff. To provide these products and services in a professional, personal and competitive manner.
(423) 648-3413 Lender's profile and map Reviews EPB Employees Credit Union 1500 McCallie Avenue, Chattanooga, TN, 37404 Since 1954, our Credit Union has been serving its members in and around the Chattanooga area with exceptional financial products and service. We offer our 2, 400 members convenient banking options through online banking, direct deposit, e-statements, and access to more than 30, 000 surcharge-free ATMs across the country.
(423) 624-9094 Lender's profile and map Reviews Chattanooga Area Schools Federal Credit Union 1201 Bailey Avenue, Chattanooga, TN, 37404 Chattanooga Area Schools Federal Credit Union has been open since 1935 with assets totaling $176.83 Million and providing banking services to more than 12, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.
(931) 548-1872 Lender's profile and map Reviews 1st United Mortgage LLC 2509 Wilma Rudolph, Suite E, Clarksville, TN, 37404 1st United Mortgage is dedicated to serving veterans and military families. As VA Loan specialists, our experts are trained specifically on VA eligibility requirements and will walk you through every step of the loan process. Our mission is to make the mortgage process and simple and stress-free as possible for you.
(336) 855-0662 Lender's profile and map Reviews Greensboro Credit Union 3701 West Wendover Avenue, Greensboro, NC, 27495 We became Greensboro’s 1st Credit Union in 1928. We were formerly known as Greensboro Postal Credit Union or GPCU. While our offices are still in our founding group’s facilities, we are excited to open our doors to all of Greensboro and Guilford County. We will continue to support our founding group
(919) 530-8800 Lender's profile and map Reviews Latino Community Credit Union 100 W Morgan Street, Durham, NC, 27701 Latino Community Credit Union (LCCU) is a community-based and member-owned nonprofit financial institution that provides protection of financial assets, access to loans, financial independence and financial education. We are proud to serve a diverse membership from the U.S. and 110 other countries around the world
(919) 281-0191 Lender's profile and map Reviews Pinnacle Funding 905 W. Main St, Suite 24, Durham, NC, 27701 At Pinnacle Funding, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
(866) 865-3636 Lender's profile and map Reviews La Terre Federal Credit Union 701 Barrow Street, Houma, LA, 70360 La Terre Federal Credit Union is organized & dedicated to providing affordable financial services & products to our member-owners. Members can rest assured that our credit union is financially strong and that we operate using sound business practices. Our focus is to continue the growth of our credit union while providing excellent member service.
(985) 876-6269 Lender's profile and map Reviews T.E.A. Federal Credit Union 7220 Main Street, Houma, LA, 70360 In 1967, ten Terrebonne Parish School System Employees (Mr. L. L. Streams, President, Mrs. Genevieve Gauno, Mr. W. J. Danks, Mrs. Helen C. Bryant, Mrs. Evelyn T. Johnson, Mrs. Martha L. Townsend, Mrs. Fledia W. Calloway, Mrs. Estelle M. Moseley, Mrs. Hazel Hawkins Navarre and Mr. Willie W. Gaither).