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

In 2026, the USDA loan limit in West-Melbourne, within Brevard county, FL, is $285,000. The FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you identify which program in is optimal for your financial scenario.

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2026 Loan Limits and Down Payment Necessities in West-Melbourne, Brevard County, FL

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

Exploring USDA and FHA Loan Options in West-Melbourne, FL

Lendersa® aims to provide the best USDA or FHA loan quickly and without hassle. Choose one of three start points for finding lenders and USDA loan programs.

Lendersa USDA Loan Request and Matching Results

Understanding the USDA Loan in FL

The USDA home loan, backed by the Department of Agriculture, also referred to as the USDA rural development loan or mortgage, is exclusively for rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require no down payment.

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



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