USDA Vs. FHA Pro and Con comparison in Vega-Baja, Vega Baja County, PR
In 2025, the USDA loan limit for Vega-Baja, within Vega Baja county, PR, is $308,200. Meanwhile, the FHA cap for a single-family home is $385,250.
Utilize the Lendersa® USDA loan calculator to effectively compare today's top USDA versus FHA rates, understanding the required income, credit, reserves, and essential documents for qualifying. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loan products side by side, facilitating your decision on the most suitable option in for your particular needs.
2025 Loan Limits and Downpayment Requirements in Vega-Baja, Vega Baja, PR
Loan Type
Loan Limit
Down Payment
USDA
$308,200
0%
FHA
$385,250
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Vega-Baja, PR
Lendersa® is dedicated to helping you secure the best USDA or FHA loan available promptly and with ease. Begin by selecting from one of three initial options that connect you with suited lenders and USDA loan offerings.
USDA home loans, also known as USDA rural development loans or USDA mortgages, are backed by the U.S. Department of Agriculture and are exclusive to rural areas. They differ from FHA loans, which require a minimum 3.5% down payment, as USDA loans require no down payment, offering considerable benefits to qualifying buyers.
NVE Bank is an independent community mutual bank established in 1887. For over 130 years, we’ve dedicated ourselves to providing customers with an unparalleled level of personal service. With 12 offices conveniently located throughout northern New Jersey, NVE offers an extensive range of business and personal financial services
Bogota Savings Bank has been a financial cornerstone in the foundation of two New Jersey communities, Bogota and Teaneck for 125 years and now have expanded our footprint into many other New Jersey towns. We are an established community bank offering traditional deposit programs such as savings, checking and certificate of deposits.
The Perna & Associates Mortgage Solutions Team have experience servicing home buyers and owners, both residential & commercial customers for the past 29 years.Licensed by the Department of Banking & Securities as a Mortgage Broker in the state of PA, Perna & Associates Team have a history of working with borrowers in over 40 counties in the state
In 1960, a group of employees of Riegel Paper pooled their resources and received a federal charter to form their own credit union. This group of volunteers and community activists provided a place where hard-working locals could save for the future and borrow to get through tough times.
MAMTA Federal Credit Union has been open since 1938. The credit union has assets totaling $12.74 Million and provides banking services to more than 1, 000 members.
The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.
Since 1984, Equity Now has been a leader in the mortgage industry. We are a direct mortgage lender, not a broker. That means we do everything under one roof: evaluating the application, reviewing the appraisal, approving the loan and writing the check. We are experts in helping homeowners with less-than-perfect credit.
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