USDA Loan Vs. FHA loan for Woodlawn-Beach, FL [Santa Rosa County ]

In 2025, the USDA loan limit in Woodlawn-Beach, located in Santa Rosa county, FL, is $299,000, whereas for a single-family home, the FHA limit is $356,362.

Take advantage of the Lendersa® USDA loan calculator to contrast today’s leading USDA and FHA rates. This will help you determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loan options side by side, supporting your decision on which program in is ideal for your financial situation.

Choosing USDA and FHA Loan Options in Woodlawn-Beach, FL

The purpose of Lendersa® is to quickly provide you with the best USDA or FHA loan without unnecessary complications. You can begin with one of three options leading to matched lenders and USDA programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in FL

The USDA home loan is a mortgage backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. This loan is specifically available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans demand no down payment, making it a distinctive and flexible option.

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(251) 446-6000 Lender's profile and map Reviews United Bank 200 E. Nashville, Atmore, AL, 36502 Founded in 1904, United Bank serves the needs of consumers, small businesses, agriculture and commercial customers. As a community bank, United Bank makes a difference because . . . By shopping local and banking locally with United Bank, customers can make a real difference in the lives of their neighbors and the future of their community.
(334) 687-1685 Lender's profile and map Reviews 22nd State Bank 51 St. Joseph St., Mobile, AL, 36602 22nd State Bank has been evolving for over 100 years but our mission has remained the same – meeting the financial needs of our customers, providing exceptional personalized customer service and serving our local communities. Our continued success is a product of the way we’ve remained the same. We care about relationships.
(251) 694-4100 Lender's profile and map Reviews Mobile Government Employees Credit Union 109 Saint Joseph Street, Mobile, AL, 36602 The MGECU provides saving & loan services to the U.S. Army Corps of Engineers, Mobile District employees, former employees and their family members and other groups approved by the Board of Directors and/or the Administrator, Alabama Credit Union Administration. A dynamic, self-sustaining, credit union system that offers savings and loan services.
(251) 289-1141 Lender's profile and map Reviews Mission 1st Mortgage Inc 805 Church Street, Unit 2, Mobile, AL, 36602 Mission 1st Mortgage team is committed to providing our clients with the highest quality financial services combined with the lowest mortgage rates available in Alabama. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
(251) 338-2092 Lender's profile and map Reviews Progressive Federal Credit Union 1065 Springhill Ave, Mobile, AL, 36604 Our philosophy is: "Once a Member, Always a Member." You may remain a member of the credit union for the rest of your life, as long as you maintain the minimum share (savings) balance. When you join Progressive Federal Credit Union, your money goes farther. Membership in this nonprofit institution gives you access to low-cost loans and affordable.
(251) 438-7464 Lender's profile and map Reviews Gulf Coast Federal Credit Union 1001 Springhill Avenue, Mobile, AL, 36604 Live, work, worship, or attend school in Mobile County – You can join Gulf Coast Federal Credit Union. Your immediate family members may also qualify for membership in the credit union. Visit our newly renovated credit union office at 1001 Springhill Ave., Mobile, Alabama and our branch office at 4313 Downtowner Loop South, Mobile, Alabama.
(251) 473-4712 Lender's profile and map Reviews Mobile Educators Credit Union 3150 Airport Blvd, Mobile, AL, 36606 Mobile Educators Credit Union was established in 1954 to provide financial services to faculty & staff of the Mobile County School System. Since 1954 we have grown to more than 9,000 members & expanded our field of membership to include anyone who lives, works, or attends school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington Counties.
(251) 476-5938 Lender's profile and map Reviews Commonwealth National Bank 2214 St. Stephens Road, Mobile, AL, 36617 Commonwealth National Bank has been committed to meeting the financial needs of the communuties it serves. Our goal is to be the preferred institution for everyone seeking an exceptional banking experience by offering comprehensive banking services, competitive rates, personalized service, and supporting causes that impact the community.
(251) 450-4804 Lender's profile and map Reviews Blue Flame Credit Union 220 Furr Street, Mobile, AL, 36607 Blue Flame Credit Union was established in 1954. We now service Spire Energy, Felder Services, and their immediate family members. We are not for profit, not for charity, but for service. At the Blue Flame Credit Union we strive for 100% satisfaction to our members. Our policy is once a member always a member.
(251) 435-5900 Lender's profile and map Reviews The Infirmary Federal Credit Union 130 Mobile Infirmary Blvd, Mobile, AL, 36607 The Infirmary Federal Credit Union (TIFCU) was chartered in September 1974, to serve the employees of Mobile Infirmary. As The Infirmary has grown, so has the Credit Union’s field of membership. Please see below for membership eligibility. The Infirmary Federal Credit Union is a not-for-profit, member owned, federally insured financial institution
(251) 342-1472 Lender's profile and map Reviews Mobile Postal Employees Credit Union 800 Downtowner Loop West, Mobile, AL, 36609 Mobile Postal Employees Credit Union was established July 1st, 1949 to serve the needs of Postal Workers and their families. Like all credit unions, we are a nonprofit, member-owned financial institution. Unlike a bank, we do not operate for profit. Any profit earned by the credit union is returned to the members in the form of dividends.