Explore the differences! FHA VS Conventional loan programs in Lake-Sarasota, Sarasota County, Florida

In 2025, Convetional loan limit in Lake-Sarasota, county of Sarasota, FL is $647,200 while FHA limit is $420,680 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in FL is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Lake-Sarasota, county of Sarasota, FL

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $338,500 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 34241

Conventional and FHA loan options in Lake-Sarasota, FL

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Mortgage Options of Texas Limited Company
  • 2404 South Grand Boulevard, Suite 220-A, Pearland, TX, 77581
  • Committed to providing ideal financing options to homebuyers and homeowners. We care what our customers think of us and so should you. We are partners in your business and your success is ours. Independent, locally owned mortgage brokerage offering various loan options. VA, FHA, conventional, reverse & Non QM loans.
  • Sterling United Federal Credit Union
  • 1330 West Franklin Street, Evansville, IN, 47710
  • Here at Sterling United Federal Credit Union we are humble to our history. The Credit Union originated in 1956 with the initial purpose being to serve employees of Sterling Brewery and their families. Amusingly enough, it all began in the brewery locker room – where employee’s checks could be cashed!
  • Mortgage Associates Houston's Low Rate Leader
  • 1506 E Broadway St, Suite 102, Houston, TX, 77012
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Strategic Mortgage, LLC
  • 1327 Broadway St, Henryville, IN, 47126
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • First National Bank of Kentucky
  • 604 Highland Ave, Carrollton, KY, 41008
  • Founded in 1881, our first location opened in Carrollton, KY. As that community grew, our bank grew with it. Today, FNBKY operates throughout Carroll County and its surrounding area while staying firmly rooted in our tradition of community banking. The First National Bank of Kentucky is a community-based financial institution.
  • Griffin Capital
  • 1135 Heatherstone Dr, Suite 102, Fredericksburg, VA, 22407
  • Griffin Capital Funding has grown to become one of the largest and most creative church financing companies in the country. With over $1.5 Billion in closed church loans, we have helped churches with loans as small as $50, 000 up to our largest loan for one church of $35, 000, 000.
  • Brazos National Bank Of America
  • 2300 Brazosport Blvd N, Richwood, TX, 77531
  • At Brazos National Bank, we take the role of community banking seriously. We strive to deliver the financial products and services that the community needs with a personal touch. Whether you prefer the convenience of online or ATM banking or the personal service of a friendly, knowledgeable banking professional.
  • Mortgage Financial Services
  • 1110 Kingwood Drive, Suite 280, Kingwood, TX, 77339
  • Our goal is to help homebuyers achieve the American Dream of homeownership. Whether you are a first time home buyer or purchasing a second home, Mortgage Financial Services is dedicated to providing quality service and products that help customers achieve their objectives throughout the home buying process. We want you to DREAM BIG,