USDA Vs. FHA Pro and Con comparison in Vero-Beach, Indian River County, FL

In 2025, USDA loan limit in Vero-Beach, county of Indian River, FL is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Vero-Beach, county of Indian River, FL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Vero-Beach, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • White Eagle Credit Union
  • 2830 N Ohio Street, Augusta, KS, 67010
  • White Eagle Credit Union, founded in 1935, and with branches in Augusta, El Dorado and Newton, Kansas, is a “Refreshingly personal. Remarkably advanced.” financial cooperative providing outstanding service with a dedication to helping members improve their financial well-being. White Eagle provides advanced mobile and online banking services.
  • Citizens Bank of Kansas
  • 2330 Ohio St, Augusta, KS, 67010
  • Citizens Bank of Kansas is a state bank that specializes in hometown banking needs. CBK has maintained its commitment to helping build strong communities by offering traditional banking services including residential, commercial, and consumer loans, as well as a broad range of deposit accounts for retail and commercial customers.
  • Peoples Savings Bank
  • 106 South Second Street, Montezuma, IA, 50171
  • In 1946, after numerous requests from Montezuma citizens, Melvin Arendt bid farewell to his brother, Louis, at Gibson Savings Bank and moved his family to Montezuma to start Peoples Savings Bank. Melvin was joined in the bank by his two sons Richard and Jim and son-in-law Bill Bolen. Jim later retired in July of 2001.
  • Wexford Community Credit Union
  • 1021 North Mitchell Street, Cadillac, MI, 49601
  • Wexford Community Credit Union is a full-service, not-for-profit financial institution. We offer our members attractive rates and terms on all types of services. The employees of Wexford Community Credit Union pride themselves on the personal service they provide to you, our member.
  • Genisys Mortgage Professionals
  • 116 E. Nelson St., Cadillac, MI, 49601
  • Genisys Mortgage Professionals was formed to provide maximum financing choices to our community. Specifically, we designed Genisys to provide specialized service to the primary residence market and especially to first-time home buyers. In 2010, Genisys became part of J. Virgil, Inc., a full service mortgage lender.
  • The Security National Bank of Enid
  • 201 W Broadway Ave, Enid, OK, 73701
  • Security National Bank of Enid is a commercial bank and trust company (accepting deposits) chartered under the National Bank Act. and Security National Bank offers a wide range of loan types with terms and conditions structured to meet individual business’s needs. These types include Term Financing, Construction Financing.
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  • 326 East Lake Street, Horicon, WI, 53032
  • Horicon Bank was founded in 1896 by Daniel C. Van Brunt, the inventor of the grain drill. His manufacturing company was sold in 1911 to Deere & Company, which continues to operate the factory as John Deere Horicon Works, producing consumer products including lawn tractors. Our home office building in Horicon was constructed in 1915.
  • The Mortgage Group
  • 411 E Lake St, Horicon, WI, 53032
  • KRISTINE B. SCHROEDER started this company to provide mortgage loan customer’s with a fast, convenient and hassle-free loan process. Buying or Refinancing your dream home can be an exciting time for you. We are here to help guide you through the process using our knowledge and expertise to find the right solution to your personal mortgage needs.
  • Farmers Savings Bank
  • 305 Doty Street, Mineral Point, WI, 53565
  • In 1917 Farmers Savings Bank was established to build on our heritage and meet the needs of our community, its businesses, and citizens. We pride ourselves on commitment to our communities through reinvestment. Our interdependent relationship with our communities is essential. Maintaining profit enables us to remain competitive and strong.
  • TrailNorth Federal Credit Union
  • 1178 NYS Route 9N, Ticonderoga, NY, 12883
  • TrailNorth Federal Credit Union has been serving the financial needs of its members since 1954. TrailNorth provides membership. Persons who live, work, worship, or attend school in, or businesses or legal entities located in Essex, Washington, Warren, Clinton and Franklin Counties in New York and Addison County in Vermont.
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  • 4 Barrell Court, Concord, NH, 03302
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  • Blue Water Mortgage Corp is an independent mortgage broker serving Massachusetts,New Hampshire, Maine, Connecticut & Florida with HQ in Hampton,New Hampshire.With over 100 years of collective mortgage experience among the team at Blue Water,we have the knowledge & ability to get your loan closed on time with the best terms and lowest rates for you!