For 2026 in Puerto-Real, Cabo Rojo county, PR, the USDA loan limit is $285,000, whereas the FHA loan limit for single-family homes is $356,362.
To compare today's best USDA versus FHA rates, use Lendersa®'s USDA loan calculator. This tool enables you to assess income, credit, reserves, and document requirements necessary for qualification. Our advanced mortgage calculator allows for a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping to determine the most suitable option in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to swiftly provide the ideal USDA or FHA loan without complication. Begin with any of three pathways, connecting you with suitable lenders and USDA loan programs.
The USDA home loan is supported by the U.S. Department of Agriculture, also known as the USDA rural development loan. These loans are specific to rural areas, requiring no down payment, unlike FHA loans, which need a minimum of 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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