USDA Vs. FHA Pro and Con comparison in West-Melbourne, Brevard County, FL

In 2025, USDA loan limit in West-Melbourne, county of Brevard, 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 West-Melbourne, county of Brevard, 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 West-Melbourne, 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?



  • Haus Capital Corporation
  • 383 Park Ave, Suite A, Rochester, NY, 14607
  • At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
  • Normandy Corporation
  • 46 Prince Street, Rochester, Rochester, NY, 14607
  • Normandy's financial strength along with common sense decision making, allows for a flexible and stream-lined loan process, resulting in quality service and an experience that benefits Normandy's customers. We offer a full line of Mortgage Loan Products specializing in residential and commercial construction loans. We have funded over $800 Milli
  • Tompkins Lending
  • 115 Liberty Pole Way, Rochester, NY, 14604
  • Tompkins Lending is a mortgage broker / direct lender serving Greater Rochester and Monroe County. Tompkins Lending is spearheaded by Tim Tompkins, the sole decision maker, and is typically able to provide a fast answer without an appraisal or engineer’s inspection, saving our clients time and money.
  • ESL Federal Credit Union
  • 225 Chestnut Street, Rochester, NY, 14604
  • ESL Federal Credit Union serves as a full-service financial institution to more than 384, 000 members and 13, 200 businesses. The company provides personal, business banking, mortgage services and wealth management services through its locally-based 23 branch network, telephone, mobile, online and live chat center.
  • The Upstate National Bank
  • 150 State Street, Suite 320, Rochester, NY, 14614
  • The Upstate National Bank is a nationally-chartered community bank headquartered in Rochester, NY focusing on providing a safe and secure environment for clients to transact, invest and borrow while simultaneously enabling and enhancing community prosperity and growth in the markets we proudly serve.
  • Powers Funding Group
  • 16 West Main Street, Rochester, NY, 14614
  • Powers Funding headquarters is located in the Powers Building in the heart of Rochester, NY banking and commerce center. Mark is firmly established in the community with years of experience working with firms in the fields of construction, manufacturing, food services and service related businesses.
  • Jewett City Savings Bank
  • 111 Main Street, Jewett City, CT, 06351
  • Jewett City Savings Bank is a community bank providing financial services to consumers & businesses in eastern Connecticut. The Bank currently operates 7 full-service offices along the I-395 corridor in Jewett City, Brooklyn, Dayville, Plainfield, Preston, Putnam & in Pawcatuck. Founded in 1873. Member of the Federal Deposit Insurance Corporation.
  • Spencerport Federal Credit Union
  • 2775 Spencerport Road, Spencerport, NY, 14559
  • The Spencerport Federal Credit Union was founded in 1962 by a small group of members, and it has grown each year, continually improving its services, through the dedication and volunteer work of many of its members. Originally founded to serve the employees of the Spencerport School District, SFCU was granted a small Community Charter in 2006.
  • The Falls City National Bank
  • 100 S Front Street, Falls City, TX, 78113
  • The Falls City National Bank was chartered March 23, 1907. On May 6, 1907 Falls City National Bank officially opened for business. Alterations and additions were made to the building in 1924. Expansion and renovation more than doubling the size was completed in 1980. Another additional expansion was completed in March 1982.
  • Muenster State Bank
  • 201 North Main Street, Muenster, TX, 76252
  • Muenster State Bank is a locally owned, independent bank with a very strong capital position and a long history of serving the local area. Muenster State Bank was chartered on June 23, 1923 with the help of local businessmen and community leaders who felt a bank was needed to provide financial leadership for the community.
  • Marion State Bank Texas
  • 301 West San Antonio Street, Marion, TX, 78124
  • Marion State Bank was granted a charter from the state on October 26, 1906, making it the 134th state chartered bank in TX. Marion State Bank is the seventh-oldest bank in TX that is still operating under its charter. When the bank was founded, it was housed in the rear portion of the first floor of the H. D. Dreyer Building, known as Waldorf Club.
  • Lexington Avenue Federal Credit Union
  • 1275 Lexington Avenue, Rochester, NY, 14606
  • Serving the city of Rochester for over fifty years, Lexington Avenue Federal Credit Union continues to follow the initial mission of serving the working people of our area. As a not-for-profit organization, we are able to beat banks in nearly all categories of loan and savings interest rates!