FHA Vs. USDA loan program for Woodlawn-Beach, Santa Rosa County, Florida

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

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Woodlawn-Beach, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(510) 339-6060 Lender's profile and map Reviews Greater Bay Mortgage Co 1980 Mountain Blvd., Suite 209, Oakland, CA, 94611 Greater Bay Capital and Greater Bay Mortgage team up to provide full service mortgage banking products and services.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.
(707) 246-5778 Lender's profile and map Reviews JA Lawson and Associates 2000 Glen Cove Marina Rd, Suite 7146, Vallejo, CA, 94591 JA Lawson and Associates (JALA) is a collective of bankers, auditors, and legal professionals that work together to support independent financial institutions manage complex compliance, operations, and internal control programs. We perform compliance audits and consulting services for banks, credit unions, fintech, and mortgage organizations.
(707) 642-9840 Lender's profile and map Reviews Security First Real Estate Finance 7263 Willow Creek Circle, Vallejo, CA, 94591 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.
(707) 720-4133 Lender's profile and map Reviews Jyotsna M. Ramaiya 2591 Marshfield Road, Vallejo, CA, 94591 "Licensed since 1992 Jai Ramaiya has helped hundreds of clients reach their mortgage goals whether purchasing their first home or refinancing their existing property. Jai specializes in Solano County, moving in the area in 1987, she understands the local market and works with many Realtors in the area."
(800) 632-4600 Lender's profile and map Reviews Provident Credit Union 303 Twin Dolphin Drive, Redwood City, CA, 94065 Provident Credit Union is and has been a local financial Institution serving the Bay Area and beyond for over 65 years. We offer our members a wide array of financial products and services with an unmatched level of customer service and convenience. Our members enjoy 21 branches located throughout the Bay Area.
(833) 596-7439 Lender's profile and map Reviews Welcome Home Funding 885 Island Drive, Suite 205, Alameda, CA, 94502 Welcome Home Funding delivers the personal service of a local lender, leveraging the resources of a national brand. Currently operating in all 50 states & the District of Columbia, Welcome Home Funding branches have earned over 1200 Zillow reviews praising reliable preapprovals, ease of transaction, on-time closings & transparency & communication.
(510) 626-9100 Lender's profile and map Reviews Fresh Home Loan Inc 1151 Harbor Bay Parkway, Suite 136, Alameda, CA, 94502 Fresh Home Loan, Inc., “Independent Mortgage Brokers That Work for the People! ™ with Garrick Werdmuller at the forefront, is a team of expert mortgage brokers helping people finance their dream homes and secure their future. We carry out our work with great care for our clients and follow the philosophy.
(510) 325-8800 Lender's profile and map Reviews California Real Estate Finance 35 Cork Road, Alameda, CA, 94502 California Real Estate Finance was established in 1988 with a very simple and straight forward business philosophy. The philosophy is to take the mortgage brokerage business to a much more professional status catering to A quality loans. The philosophy is simple. Give our clients great interest rates, great service
(510) 834-1933 Lender's profile and map Reviews Metropolitan Bank 250 East 18th Street, Oakland, CA, 94606 Our goal to provide our customers with the best community banking experience possible. Where other banks have devised new and inventive ways to deal with their customers at an arms length, we remain committed to the idea that bank-customer relationships should be personal. We make an effort to know you, our clientele, and adapt our service.
(650) 358-3188 Lender's profile and map Reviews Argus Financial Corporation 990 Industrial Road, Suite 200, San Carlos, CA, 94070 Argus Financial was founded in 1971 to provide mortgage banking services to residential, commercial & industrial developers in Northern California. Today the firm offers a complete range of project finance capabilities: institutional joint ventures, permanent mortgages, construction loans, convertible and participating mortgages, investment sales.
(650) 741-9797 Lender's profile and map Reviews HPI Financial 1149 Cherry St., San Carlos, CA, 94070 HPI Financial team is committed to providing our clients with the highest quality financial services combined with low rates and varied loan options. Our outstanding HPI Financial 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.