USDA Vs. FHA your options comparison in Westchester, Miami-Dade County, FL

In 2025, the USDA loan limit for Westchester, within the county of Miami-Dade, FL, stands at $0, while the FHA limit for a single-family home is set at $557,750.

Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today and determine the necessary income, credit, reserves, and documentation required to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side-by-side, assisting you in selecting the most appropriate program in Alabama for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Westchester, Miami-Dade, FL

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $557,750 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Westchester, FL

The mission of Lendersa® is to quickly find you the best USDA or FHA loan options with ease. Choose one of the three routes to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, also called a USDA rural development loan, is guaranteed by the U.S. Department of Agriculture and is intended for rural areas. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



  • Approved Mortgage Source
  • 1039 Harley Strickland Blvd Suite 700, Orange City, FL, 32763
  • Approved Mortgage LLC is Central Florida's premier mortgage lender. Our diverse team of lenders is experienced in all types of mortgages and mortgage loans and is committed to helping you get approved for the financing you need. We are proud to say that most of our business comes from the referrals of our satisfied clients.
  • Sovereign Mortgage Investments Inc
  • 1495 S Volusia Ave #102, Orange City, FL, 32763
  • Sovereign Mortgage Investments, Inc. has expertise and knowledge needed to explore the many financing options available and has been originating and processing mortgage loans for over 17 years. We enable clients to purchase and refinance their homes while offering a wide range of mortgage products such as FHA, USDA, VA.
  • C2 Financial Corporation Port Richey
  • 6710 Embassy Blvd, Suite 202, Port Richey, FL, 34668
  • C2 Financial Corporation is one of the nation’s largest mortgage brokers, home to over 700 loan originators. We have been ranked a Top 50 Mortgage Lender in the Scotsman Guide and employ several of Scotsman’s Top 500 loan originators in the country. In addition, we were recently ranked in the Top 20 Best Companies to Work
  • Flagler Mortgages Inc
  • 8601 Old Post Road, Port Richey, FL, 34668
  • The principle of this company has been in the Mortgage Industry for over 40 Years. We specialize in placing mortgages for self employed and people with minimal credit. Flagler Mortgages is a Full service mortgage broker. Programs available to suit all needs and profiles including FHA and VA. When the bank says no, call us.
  • Commercial Mortgage Advisors
  • 1230 Gray Court, Eustis, FL, 32726
  • Commercial Mortgage Advisors originates loans with Life Insurance Companies, CMBS Lenders, Multi-Family DUS Lenders, Commercial Banks, Structured Finance Lenders, SBA lenders, and Industrial Development Bond lenders. The company primarily places long-term, fixed-rate financing on income producing.
  • MSB Home Loans Inc.
  • 17715 Fancy Lane, Hudson, FL, 34667
  • Matthew Bouchard President Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice
  • Suarez Home & Finance Corp.
  • 3087 Anderson Snow Rd, Spring Hill, FL, 34609
  • Suarez Home & Finance Corporation is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools.
  • E Loans Mortgage
  • 13789 Linden Dr, Spring Hill, FL, 34609
  • At E Loans Mortgage 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.
  • Home Team Lending (DeLand Branch)
  • Home Team Lending (DeLand Branch), Deland, FL, 32720
  • Home Team Lending, powered by MortgageAdvisors .com, we take a small town approach to lending by meeting with most of our clients face to face to educate them on our full line of mortgage products as well as to get to know their short and long term goals with their investment so that we can recommend the best options for them.
  • United Southern Bank
  • 750 North Central Avenue, Umatilla, FL, 32784
  • Originally chartered in 1937 as Umatilla State Bank by a group of Umatilla citizens and citrus growers, USB served mainly the greater Umatilla community in its early days as branch banking was not allowed in Florida until the late ‘70s. When branch banking was authorized by the State of Florida
  • Direct Lending Group Inc
  • 3443 Deltona Blvd, Spring Hill, FL, 34606
  • Direct Lending 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.
  • Volusia Mortgage
  • 5889 S. Williamson Blvd., Suite 1320, Port Orange, FL, 32128
  • We are dedicated to becoming the leading provider of residential mortgage loans in Volusia County, Florida. We will accomplish this by providing superior service and value to our clients while adhering to high standards of integrity, ethics, and accountability in all we do. We live here, we work here. Neighbors helping neighbors.