USDA and FHA Pro and Con in Cayey, Cayey County, PR
In 2026, the USDA loan limit for Cayey, located in Cayey, PR, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the current best rates for USDA versus FHA loans. Determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Cayey, Cayey, PR
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Cayey, PR
The objective of Lendersa® is to secure the most suitable USDA or FHA loan quickly and without difficulty. Start from one of three pathways that connect you directly with lenders and explore USDA loan programs available to you.
A USDA home loan, backed by the Department of Agriculture, is also called a USDA rural development loan or USDA mortgage, exclusive to rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment, offering advantageous terms for eligible borrowers.
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