FHA VS Conventional loan programs in 2025 for Floral-City, Citrus County, Florida

For the year 2025, the limit for Conventional loans in Floral-City, located within Citrus county, FL, is set at $647,200. In contrast, the FHA limit for single-family homes is $420,680.

Leverage the Lendersa® Conventional loan calculator to compare the best available rates today between Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can examine Conforming Conventional, USDA, FHA, and VA loans side by side, empowering you to select the optimal program in FL for your financial situation.

View loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Floral-City, Citrus County, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table comparison is applicable to ZIP codes: 34436

Available Options for Conventional and FHA Loans in Floral-City, FL

The mission of Lendersa® is to swiftly secure the best Conventional, USDA, or FHA loans with minimal hassle. Choose one of three starting points to connect with lenders and appropriate loan programs.

Results from USDA loan requests via Lendersa


  • Educators Credit Union
  • 1326 Willow Road, Sturtevant, WI, 53177
  • Educators Credit Union was founded by teachers in 1937 so members could borrow and save money at fair and reasonable interest rates. Today, Educators members are students, government workers, healthcare employees, small business owners and many other community members. Educators started out operating under the guiding principle of “Not for Profit.
  • Ciera Bank
  • 623 Elm Street, Graham, TX, 76450
  • Ciera Bank is a state-chartered, full service community bank proudly serving Texas since 1890. Headquartered in Graham, just a short drive outside of the Dallas/Fort Worth Metroplex, Ciera was created from the merger of three banks owned and operated by First Graham Bancorp, Inc. Since merging, Ciera Bank has come full circle, uniting its branches.
  • RMECU
  • 1907 Lathrop Avenue, Racine, WI, 53405
  • Racine Municipal Employees Credit Union was organized in 1953, and chartered by the State of Wisconsin on October 28th that same year. Charter members of our Credit Union included employees from several departments of the City of Racine. They organized the credit union to promote thrift and loan funds to the employees of the City of Racine
  • Exchange Bank and Trust Company
  • 523 Delaware, Perry, OK, 73077
  • The Exchange Bank and Trust Company of Perry, OK will remain a strong, sound and successful community bank. Through a friendly and professional staff, we will provide the products and services needed by our communities. Our primary trade area encompasses Noble County and Payne County.
  • First Central State Bank
  • 914 6th Ave, De Witt, IA, 52742
  • As a locally owned bank, First Central State Bank is in touch with the community we serve and is responsive to the financial needs of our customers. We work hard to provide innovative solutions that give our customers, our neighbors, employers and friends, a safe and secure financial future.
  • Mid America Bank
  • 802 Ames St., Baldwin City, KS, 66006
  • Mid America Bank is a locally-owned community bank committed to providing our customers great banking services, with a particularly heavy emphasis on residential real estate lending. We take pride in offering local underwriting and local servicing. We think this sets us apart and is what makes us the leading real estate lender in our market.
  • INmortgage Co
  • 820 Geneva Pkwy, Suite 106, Lake Geneva, WI, 53147
  • INmortgage Co mission is to strive to provide a new level of excellence along with a fresh transparent approach in the mortgage industry. We boast the top of the line technologies, broad range of programs, comprehensive marketing and experienced staff comprised of top producing loan originators, and management.
  • MCU Financial Center Credit Union
  • 1462 South Green Bay Rd, Mt. Pleasant, WI, 53406
  • MCU has been serving the hard working people of the Racine and Kenosha areas, since 1939. If you live or work in Racine or Kenosha counties, you may be eligible for a membership with MCU. So stop into the branch, or if you prefer, call or e-mail us. Let us help you save! Consider joining MCU, only $15 gives you a membership share
  • Citizens National Bank at Brownwood
  • 1 Carnegie St., Brownwood, TX, 76804
  • Citizens National Bank has established itself in central Texas as a leader among financial institutions. Many have come to know and trust Citizens National Bank. We are located in Brownwood, Texas, & have strong ties to many of our neighboring communities. Our commitment to our customers and our community is just one reason Citizens National Bank.
  • Guadalupe Bank
  • 1309 Bandera Hwy, Kerrville, TX, 78028
  • Guadalupe Bank was built by locals, for locals. We pride ourselves on the fact that our decisions are made locally by people who live in our community, value relationships with our customers, and genuinely understand local needs. We have a commitment to every single customer and to the people and small business owners in our community.