FHA VS Conventional loan programs in 2025 for Bartow, Polk County, Florida

As of 2025, the maximum allowed for a conventional loan in Bartow, located in the county of Polk, FL, is $726,200. The FHA loan limit for a single-family dwelling is set at $472,030.

Explore the Lendersa® Conventional loan calculator to contrast today's top Conventional, FHA, and USDA rates. Assess income, credit, reserves, and necessary documentation for qualification. Utilize this advanced mortgage calculator to compare Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding you in determining the most suitable program for your financial needs in FL.

Compare loan offers from 100 different lenders

2025 Loan Limits and Down Payment Requirements in Bartow, Polk County, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparative information is applicable to zip codes: 33830, 33880, 33831, 33863

Available Conventional and FHA Loan Options in Bartow, FL

The aim of Lendersa® is to help you quickly acquire the best possible Conventional, USDA, or FHA loan with minimal hassle. Begin by choosing one of three routes to connect with matching lenders and comprehensive loan programs.

Results from Lendersa's USDA loan requests and matches


  • Hashtag Mortgage Company LLC
  • 6100 Hollywood Blvd, Suite 305, Hollywood, FL, 33024
  • Our mission is to offer unparalleled service so that you can succeed at one of the most important decisions you will make in your life. We accomplish this goal in an efficient, fast & reliable way. Hashtag Mortgage Company professionals are here to help you on your home buying and refinance journey.
  • Celebrity Mortgage
  • 320 SE 11th Street, Fort Lauderdale, FL, 33316
  • Celebrity Mortgage Corporation is dedicated to helping you get the loan you need quickly and easily. Our experienced team of licensed loan originator professionals work tirelessly to assure the mortgage process is seamless from comprehensive pre-approvals to the closing table. Whether you are purchasing a home or simply refinancing your existing
  • Florida Capital Bank
  • 10151 Deerwood Park Blvd, Building 100, Suite 200, Jacksonville, FL, 32256
  • FLCBank is a leader in the banking industry focusing on solutions for the financial well-being of businesses and their owners. We are a nationally chartered bank headquartered in Jacksonville, Florida with full service branches located in Gainesville, Orlando, Tampa Bay, and Jacksonville
  • Bankers Home Mortgage
  • 10175 Fortune Parkway, Unit 1004, Jacksonville, FL, 32256
  • We offer the best mortgage tools available on the Internet easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Florida Homes Realty and Mortgage
  • 11512 Lake Mead Ave, Jacksonville, FL, 32256
  • With years of experience helping local buyers and sellers just like yourself, we know how to locate the finest properties and negotiate the best deals. It's our job to know about the latest market conditions, government regulations, and upcoming developments — so that you don't have to.
  • North Florida Mortgage Brokers
  • 7998 Joshua Tree Ln, Jacksonville, FL, 32256
  • NFL Mortgage Brokers was founded by Timothy Newman in Jacksonville, FL. on the principals of competitive pricing, speed, & quality-of-service from start-to-finish.Whether you’re looking to purchase your first home, refinance a current mortgage, or purchase your next investment property – NFL Mortgage Brokers has the right mortgage solution for you!
  • City & Police Home Financing
  • 8011 Philips Highway, Suite 1, Jacksonville, FL, 32256
  • CU Home Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today
  • Sawgrass Mortgage Corporation
  • 10151 Deerwood Park Boulevard, Suite 300, Jacksonville, FL, 32256
  • Sawgrass Mortgage Corporation was founded in 2018. The key to our success has been a combination of consistently offering the lowest possible rates to mortgage clients and above all, providing those clients with outstanding customer service. Servicing our clients with honesty and integrity is something that we take great pride in doing.
  • American Home Funding Inc
  • 5150 Belfort Rd, Suite 200, Jacksonville, FL, 32256
  • We specialize in new construction requirements for Conventional, FHA, VA and Rural Housing programs. We provide Jacksonville’s builders and realtors with the latest in mortgage financing programs and the excellent service we’ve become known for. We work with local and national banks to bring the best of their loan options to our clients.
  • RE FINANCIAL SERVICES, INC.
  • 4651 Salisbury Road, Ste. 400, Jacksonville, FL, 32256
  • RE Financial Services Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • The Ken Phillips Team @ ALCOVA Mortgage
  • 8647 Baypine Road, Suite 203, bldg. 1, Jacksonville, FL, 32256
  • ALCOVA Mortgage LLC | NMLS#40508 | (www.nmlsconsumeraccess.org) Licensed in AL, CO, DC, FL, GA (License #42101), KY, MD, NC, OH, PA, SC, TN, VA, WV | 308 Market St SE, Roanoke, VA 24011 We take the hassle out of homebuying so you can get back to focusing on what matters most! Life moves fast, and so do you.