USDA Vs. FHA your options comparison in Westgate, Palm Beach County, FL

In 2026, the USDA loan limit for Westgate, located in Palm Beach county, FL, is $368,000, while the FHA limit for single-family homes is $557,750.

With the Lendersa® USDA loan calculator, compare today’s optimal rates for USDA and FHA to identify necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows a side-by-side view of USDA, FHA, Conforming, and VA options to help decide the best program in for your financial needs.

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Loan Caps and Downpayment Needs in Westgate, Palm Beach County, FL for 2026

Loan Type Loan Limit Down Payment
USDA $368,000 0%
FHA $557,750 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Paths in Westgate, FL

Lendersa® aims to provide the best USDA or FHA loan expediently. Choose one of three options to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan is backed by the Department of Agriculture, often referred to as the USDA rural development loan or mortgage, and is available only in rural areas. It differs from FHA loans, which require a minimum down payment of 3.5%, as the USDA loan needs no down payment.

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



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