USDA Vs. FHA your options comparison in Trenton, Gilchrist County, FL

In 2025, the USDA loan limit for Trenton, located in Gilchrist county, FL, is $336,500. In contrast, the FHA limit for a single-family residence is set at $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s best USDA and FHA rates and assess the income, credit score, reserves, and documents you need to qualify. By leveraging our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in determining the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Trenton, Gilchrist, FL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Trenton, FL

The aim of Lendersa® is to secure the best possible USDA or FHA loan for you quickly and without complications. Choose one of three starting points that will connect you with matching lenders and USDA loan programs tailored to your needs.

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Understanding USDA Loans in FL

A USDA home loan is a mortgage guaranteed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. This loan is available exclusively in rural areas and, unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all, offering a unique benefit to eligible borrowers.

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



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