For the year 2025, the USDA loan ceiling in University-Park, situated in the county of Miami-Dade, FL, is $285,000, whereas for an FHA loan, the limit for a single-family home is $402,500.
Lendersa® provides a USDA loan calculator for you to compare the best rates of USDA and FHA loans available today. It helps you understand the income, credit requirements, reserves, and necessary documents for eligibility. Our sophisticated mortgage calculator presents the USDA, FHA, Conforming, and VA loans in parallel, aiding you in selecting the best option for your financial needs in Alabama.
View loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to secure the best possible USDA or FHA loan for you swiftly and effortlessly. Choose from one of three starting points that lead you to matched lenders and suitable USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture—often called a USDA rural development loan or mortgage—and is available solely in rural communities. This contrasts with FHA loans, which require at least a 3.5% down payment, while a USDA loan needs no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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