USDA and FHA Pro and Con in West-Palm-Beach, Palm Beach County, FL

In the year 2025, the USDA loan cap in West-Palm-Beach, situated in the county of Palm Beach, FL, is $322,000. For a single-family dwelling, the FHA limit stands at $402,500.

Leverage the Lendersa® USDA loan tool to juxtapose today's premier USDA and FHA rates, assessing the income, credit, reserves, and documentation necessary to qualify. Our sophisticated mortgage calculator allows for a side-by-side view of USDA, FHA, Conforming, and VA options, guiding you to the best financial program within .

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Loan limits and downpayment necessities in West-Palm-Beach, county of Palm Beach, FL for 2025

Loan Type Loan Limit Down payment
USDA $322,000 0%
FHA $402,500 3.5%
Conventional Conforming $548,250 3%

Available USDA and FHA loan options in West-Palm-Beach, FL

Lendersa® aims to secure you a competitively advantageous USDA or FHA loan swiftly and effortlessly. Choose one of three starting methods to connect with matching lenders and suitable USDA loan plans.

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Explanation of USDA Loans in FL

A USDA loan is backed by the government through the Department of Agriculture, often called the USDA rural development loan or USDA mortgage, and it is specifically available in rural localities. In contrast to FHA loans that demand at least a 3.5% down payment, USDA mortgages require no down payment.

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



  • Coast360 Federal Credit Unio
  • 450 Route 8, Hagatna, GU, 96910
  • Coast360 started on September 24, 1962 as Government of Guam Employees Federal Credit Union by a group of 20 government employees. At that time, their employer was their common bond. In 2008, the credit union was granted a charter that opened membership to everyone who lives or works on the island.
  • SouthWind Mortgage Inc
  • 1975 Sansburys Way, Suite 103, West Palm Beach, FL, 33411
  • Our Mortgage Professionals have combined financial experience helping Realtors, their clients, homeowners & business owners for over 35 years.President Donald Cahill, has established a professional reputation of honesty, integrity, & competence within the Morgagre Brokerage industry.Southwind Mortgage the practices can be summed up in one sentence.
  • Buccaneer Mortgage
  • 2101 Vista Pkwy, West Palm Beach, FL, 33411
  • Buccaneer Mortgage The GoodPirates Home Loans is located in West Palm Beach, Florida. Buccaneer Mortgage was formed in 2000 and is currently licensed as a Mortgage Lender in the State of Florida and a Mortgage Broker in the US Virgin Islands. Buccaneer Mortgage is a full service lender offering both residential mortgages and commercial mortgages.
  • The Lending Hub Inc
  • 2101 Vista Parkway West, Palm Beach, FL, 33411
  • The Lending Hub, Inc. is a Licensed Mortgage Broker business located in West Palm Beach, Florida. We provide Financing to Purchase or Refinance Residential & Commercial Property. Our team of Mortgage professionals have over 20 years of experience providing clients personal attention to their financing needs.
  • Palm Beach Mortgage Group
  • 5589 Okeechobee Blvd STE 105, West Palm Beach, FL, 33417
  • Looking for a mortgage broker in West Palm Beach? If you're looking for a home loan anywhere in Palm Beach County, we're here to help! We treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We repres
  • Steve Prince | Ideal Lending Solutions, Inc |
  • 5589 Okeechobee Blvd Ste #101,, West Palm Beach, FL, 33417
  • Ideal Lending Solutions specializes in residential mortgages with branches throughout Florida and North Carolina. Ideal Lending Solutions, a division of American Financial Network, Inc. is a Direct Lender with delegated authority to underwrite, fund and service Conventional, FHA, USDA, VA loan, and Jumbo loan products in house.
  • Palm Beach Mortgage Group
  • 5589 Okeechobee Blvd - Suite 105, West Palm Beach, FL, 33417
  • Palm Beach Mortgage Group, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Reverse Mortgage Reality
  • 2345 Waburton Terrace, Wellington, FL, 33414
  • Our goal is education and service. We aim to teach you how you can utilize a reverse mortgage in Pennsylvania, New Jersey, Florida, or all across the United States. In fact, since 2008 we’ve helped over 431 seniors learn about and get reverse mortgages. At Reverse Mortgage Reality, we realize that no 2 seniors have the exact same situation.
  • Sunvest Mortgage Group LLC
  • 12794 Forest Hill Blvd, Suite 29, Wellington, FL, 33414
  • At Sunvest Mortgage Group, LLC we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Sunstate Mortgage LLC
  • 12769 Forest Hill Blvd, Suite 1A, West Palm, FL, 33414
  • sunny South Florida, we are committed to making the mortgage process as simple as possible help make your dreams of becoming a homeowner a reality and also We can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed.
  • 5 Star Financial Group - Tampa Mortgage Lender
  • 1503 South US Hwy 301, STE 109, Wellington, FL, 33414
  • 5 Star Financial Group your resource for all your Tampa Bay mortgage and real estate needs. We offer many different types of home loan products along with many refinance options. Tampa Bay USDA loans are one of our biggest specialties. The USDA loan or rural development loan is a great program that can get you in a new home with no money down.
  • 1st Mortgage Solution
  • 420 FL-7 #174, Wellington, FL, 33414
  • 1st Mortgage Solution group, Inc is a mortgage Broker Company. we are licensed in Florida . we work to help you find the best refinance options for your individual needs We have partnered with some of the best Home Loan providers in the country to ensure that you receive the best refinance options available