USDA Vs. FHA Pro and Con comparison in Watertown, Columbia County, FL
In 2026, within Watertown, county of Columbia, FL, the USDA loan limit is $336,500, whereas the FHA limit for a single-family home is $472,030.
Leverage Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates, determining the necessary income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA options, helping you decide which program in suits your financial situation best.
Loan limits and down payment requirements for 2026 in Watertown, Columbia, FL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA loan options in Watertown, FL
Lendersa® is dedicated to securing the best USDA or FHA loans swiftly and effortlessly. Opt from three starting points leading to lender matches and USDA loan offerings.
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