For the year 2025, the cap for USDA loans in Winter-Garden, within Orange county, FL, is $285,000. Conversely, the FHA sets a limit of $356,362 for a single-family home.
Lendersa® USDA loan calculator is a useful tool for comparing today’s best USDA versus FHA rates. It helps determine the necessary income, credit score, reserves, and documentation needed for qualification. Our enhanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, so you can decide which program in
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| Loan Category | Maximum Loan | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to provide you with swift and hassle-free access to the best suited USDA or FHA loans. Choose from three options to find compatible lenders and USDA loan programs.
The USDA home loan, guaranteed by the government Department of Agriculture and commonly known as a USDA rural development loan or mortgage, is designated for rural areas only. Unlike FHA loans that require a down payment of at least 3.5%, the USDA mortgage doesn’t require any down payment, making it an attractive option for eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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