FHA VS Conventional loan in Bartow, Polk County, Florida

As of 2026, 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

2026 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


  • SECURITY MORTGAGE CORPORATION
  • 8614 Deep Maple Drive, Riverview, FL, 33578
  • Security Mortgage Corporation specialize in Home Purchase Loans (FHA & Conventional)
    FHA 203K Home Purchase Rehabilitation Loans
    Refinance & 125% Mortgage Relief Refinance Loans
    Reverse Mortgages
    Low Rate 30 year and 15 year fixed mortgages and
    We promise to give you and your realtor the best service.
    We promise to give you a great deal

  • American Residential Mortgage LLC
  • 215 Celebration Place, Suite 520, Celebration, FL, 34747
  • At American Residential Mortgage we offer a variety of loan programs that can help you achieve your goals whether you are looking to buy, build, or refinance your home. This gives us the advantage of being able to provide a great rate and a program that fits each of our clients individual requirements.

  • Sunland Capital Mortgage Corporation
  • 708 Mulberry Ave, Kissimmee, FL, 34747
  • As your full-service mortgage brokerage company, Sunland Capital Mortgage Corporation works one-on-one with you to get your borrowers' loans approved and closed on-time. Sunland Capital Mortgage Corporation is a mortgage brokerage with ultra-competitive rates and in-depth knowledge of the regional mortgage scene.

  • Simons & Leoni Home Loans, LLC
  • 741 Front St# 130, Celebration, FL, 34747
  • Simons & Leoni Home Loans, LLC 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.

  • Home Capital Corporation
  • 38349 County Road 54, Zephyrhills, FL, 33542
  • Home Capital Corporation was founded in 1998 by Billy Davis, who is still President and Primary Broker Loan Officer. Our motto is "Home Loans from REAL People Who Care" and we live up to this every day. We offer the best service and pricing in the industry, and our customers have rated us with 5 Stars in ALL Reviews because we follow through.

  • Fluxx Mortgage & Financial
  • 410 S Ware Blvd, Suite 402, Tampa, FL, 33619
  • At Fluxx Mortgage and Financial, we take pride in knowing you chose to work with us, so getting your loan across the finish line is our top priority. Fluxx Mortgage and Financial can help you get pre-qualified and on your way to home ownership Simply fill out our mortgage prequalification form securely on our website

  • Suncoast Credit Union
  • 6801 E Hillsborough Ave, Tampa, FL, 33610
  • Suncoast Credit Union is the largest credit union in the state of Florida, the ninth largest in the United States based on membership, and the 10th largest in the United States based on its $12.6 billion in assets. Chartered in 1934 as Hillsborough County Teachers Credit Union, Suncoast Credit Union currently operates 74 full-service branches

  • SISTAR MORTGAGE COMPANY
  • 10150 Highland Manor Dr, Suite 200, Tampa, FL, 33610
  • Sistar Mortgage have today announced a partnership that will see the nationwide lender become the Presenting Partner of the upcoming series of Minor League Cricket Franchise Exhibition Matches. As part of the sponsorship, Sistar Mortgage will also have prominent branding on the playing shirts of all 24 Minor League

  • Heartland National Bank
  • 320 US Highway 27 N, Sebring, FL, 33870
  • Heartland National Bank was organized in 1998 by a group of local businessmen. Their biggest concern at that time was the effect bank mergers and acquisitions were having on Highlands County businesses. It was their belief that the community would benefit from a locally owned, independent banking institution.

  • Amerifirst Home Mortgage
  • 449 Apollo Beach Boulevard, Apollo Beach, FL, 33572
  • Amerifirst, we're knowledgeable professionals in mortgage loans, but we don't expect everyone else to be. We meet you wherever you are on the road to buying a home, walking you through the process, answering questions, and cheering you on until you reach your goals. Our licensed loan officers can help you buy, build, remodel.

  • Melange Capital Investments LLC
  • 11007 North 56th Street, Suite 207, Tampa, FL, 33617
  • At Melange Capital Investments LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you