3.5% down into Clay County's most affordable community—the FHA path when USDA or VA aren't available.
Some Middleburg buyers may not qualify for USDA (income limits) or VA (no military service). For these buyers, FHA provides excellent low-down-payment access to Middleburg's affordable market. At 3.5% down on a $250K home, that's just $8,750—and Middleburg sellers frequently agree to closing cost concessions that further reduce cash needed.
$220K–$350K
Central location, established community, FHA-ideal pricing
$250K–$380K
Newer subdivisions, closer to Orange Park amenities
$200K–$300K
Larger lots, affordable entry, may also qualify for USDA
Just $8,750 on a $250K Middleburg home—achievable for working families.
When USDA income limits or VA eligibility don't apply, FHA is the low-down-payment backup.
FHA's flexible guidelines help buyers building credit.
Up to 6% seller credits—Middleburg's market often accommodates concession requests.
Get your personalized fha loan rate in minutes. No obligation, no credit impact for pre-qualification.
If your household income exceeds USDA limits (approximately $103,500 for 1-4 persons), FHA at 3.5% down is the next-best option.
Related Florida Loan Programs:
Connect with Emmett directly. Quick response, personalized guidance for your Middleburg home purchase.