FHA Vs. USDA loan program for West-Pensacola, Escambia County, Florida

In the year 2025, the USDA loan limit in West-Pensacola, within Escambia County, FL, is set at $285,000. On the other hand, the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to effectively compare the prime rates for USDA versus FHA loans of today. It helps assess required income, credit, reserves, and necessary documentation to qualify. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side-by-side, guiding you to choose the most suitable program in for your particular financial needs.

Options for USDA and FHA Loans in West-Pensacola, FL

Lendersa® aims to secure the most advantageous USDA or FHA loan for you swiftly and with minimal hassle. Choose from one of the three starting pathways that connect you to lenders and USDA loan programs.

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

Understanding the USDA Loan in FL

USDA home loans are secured by the Department of Agriculture and often called USDA rural development loans or USDA mortgages, available exclusively in rural areas. Unlike FHA loans requiring a minimum of 3.5% down, USDA mortgages need no down payment.

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(863) 386-1300 Lender's profile and map Reviews Heartland National Bank 320 US Highway 27 N, Sebring, FL, 33870 Heartland National Bank was organized in 1998 by a group of local businessmen. Their biggest concern at that time was the effect bank mergers and acquisitions were having on Highlands County businesses. It was their belief that the community would benefit from a locally owned, independent banking institution.
(833) 899-4663 Lender's profile and map Reviews Responsible Reverse Mortgage 4547 Pine Island Rd, Suite 3, Cape Coral, FL, 33993 Responsible Reverse Mortgage, a licensed mortgage broker specializing in Reverse Mortgages. Our company mission is to be responsible for your comfortable retirement. We've a commitment to our customers to deliver quality advice in a convenient manner. Our commitment to helping the 62+ community of America live the retirement.
(239) 233-7755 Lender's profile and map Reviews Lend Elite LLC 1322 North West 10th Terrace, Cape Coral, FL, 33993 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
239-205-5665 Lender's profile and map Reviews Harbor Light Mortgage 3937 NW 46th Terrace, Cape Coral, FL, 33993 Harbor Light Mortgage is a family owned and operated mortgage broker in Cape Coral, Florida, serving borrowers throughout the State. Now in it's third year at this location, Harbor Light Mortgage represents multiple lenders providing borrowers with access to a vast array of mortgage products, including Conventional, FHA, USDA, and VA
(409) 899-9208 Lender's profile and map Reviews Cattell Mortgage 350 Pine St, Suite 220, Beaumont, TX, 77702 At Cattell Mortgage Group. We are a full service mortgage company located in Beaumont/Houston Texas Area that has served the entire state of Texas for over twenty years. We specialize in FHA, VA, USDA, Jumbo, Super Jumbo, and Conventional Loans. Whether you are buying a home or ReFinancing we can help you realize your dream of home ownership.
(931) 449-9294 Lender's profile and map Reviews AJM Mortgage Solutions 258 Village Square, Suite 200, Pleasant View, TN, 37146 AJM Mortgage Solutions offers Conventional, FHA, VA, USDA, JUMBO, High-Balance & Non-QM Mortgage Products to meet your individual needs. Working with a variety of the leading lenders in the industry allows us to provide the lowest rates available in the market. Give us a call today and get a FREE rate One quick call can get you pre-qualified
(615) 322-9975 Lender's profile and map Reviews Tennessee Trust Mortgage, Inc 6398 US-41 ALT, Pleasant View, TN, 37146 Tennessee Trust Mortgage, Inc. was established as a Mortgage Lender in January of 1996, by the owner Monty Moore in Nashville, TN. We are a local Mortgage Lender that prides itself with being able to get the job done fast and efficiently, but still accurately. We offer all long term low interest rate loans for our customers
(409) 899-3430 Lender's profile and map Reviews DuGood Federal Credit Union 7505 Eastex Freeway, Beaumont, TX, 77708 We are committed to helping individuals reach their financial goals. From starting a savings or checking, planning for college or retirement, financing affordable loans to buying or renovating a home. Our members’ needs are important to us and we’re here to help. Our credit union believes in the philosophy of “People Helping People” .
(864) 962-9121 Lender's profile and map Reviews Classic Home Mortgage 330 Harrison Bridge Road, Suite C, Simpsonville, SC, 29680 Classic Home Mortgage is located in Simpsonville, South Carolina in the Upstate, Bluffton & Summerville, South Carolina in the Lowcountry and the Sunshine State of Florida. Whether you need an FHA, VA, USDA or Conventional loan, it's our mission to provide you with excellent service, competitive rates.
(409) 384-3486 Lender's profile and map Reviews First National Bank of Jasper 301 East Houston Street, Jasper, TX, 75951 First National Bank of Jasper is located in Jasper, TX, United States and is part of the Depository Credit Intermediation Industry. First National Bank of Jasper has 57 total employees across all of its locations and generates $8.38 million in sales (USD). For over 50 years, First National Bank has provided trustworthy, friendly service.
(931) 528-9400 Lender's profile and map Reviews Middle Tennessee Federal Credit Union 1255 East Spring Street, Cookeville, TN, 38501 We are a not-for-profit federally chartered and insured financial institution. Not-for-profit means that there are no outside investors and our Board of Directors is elected by the membership. They donate their time and expertise to serve you, the member. Further, all the credit union’s earnings are returned to you, our member-owner.
(931) 528-6372 Lender's profile and map Reviews Putnam 1st Mercantile Bank 200 West Jackson Street, Cookeville, TN, 38501 Putnam 1st Mercantile is one of only two banks that is both locally owned & operated in Putnam County. The bank was organized by a group of Putnam County residents looking for a true community bank. The organizers wanted a bank where customers could still be treated like family and were they could interact with someone capable of making a decision.