USDA Vs. FHA Pro and Con comparison in Lo?za, Lo?za County, PR
In 2025, the USDA loan limit for Lo?za in the county of Lo?za, PR, is $308,200, whereas the FHA limit for a single-family home stands at $356,362.
Use the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA loans, determining the required income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding in deciding which program in best suits your financial scenario.
2025 Loan Limits and Downpayment Requirements in Lo?za, Lo?za, PR
Loan Type
Loan Limit
Down Payment
USDA
$308,200
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Lo?za, PR
The goal of Lendersa® is to quickly deliver the best USDA or FHA loan without hassle. Begin by selecting one of three pathways to find aligned lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan available solely in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none.
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