FHA VS Conventional loan in Lake-Sarasota, Sarasota County, Florida

For 2025, the limit for a conventional loan in Lake-Sarasota, within the county of Sarasota, FL is $647,200. Meanwhile, for a single-family home, the FHA limit is $420,680.

Utilize the Lendersa® Conventional loan calculator to compare the top rates among Conventional, FHA, and USDA today. This helps determine qualifications related to income, credit standing, reserves, and necessary documents. Our advanced mortgage calculator offers a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, facilitating the best choice for your financial circumstances in FL.

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2025 Loan Limits and Down Payment Requirements in Lake-Sarasota, Sarasota County, FL

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

The table's information is relevant to zip codes: 34241

Conventional and FHA Loan Choices in Lake-Sarasota, FL

Lendersa® is committed to helping you secure the best Conventional, USDA, or FHA loan quickly and effortlessly. Start with any of the three pathways that lead to matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Diamond Lakes Federal Credit Union
  • 7333 Highway 270, Malvern, AR, 72104
  • Diamond Lakes Federal Credit Union is a full service financial institution ready to serve you as a member, not just as a customer! We are a not-for-profit financial cooperative owned by the folks that save and borrow money at Diamond Lakes. Profits are returned to members in the form of lower rates on loans, less fees
  • Malvern National Bank
  • 501 South Main Street, Malvern, AR, 72104
  • MNB is a full service community Bank committed to providing top quality personal and business financial services, delivered by associates who are dedicated to the highest level of personal service. Since 1934, we have been providing professional Banking services to central Arkansas.
  • Desco Federal Credit Union
  • 401 Chillicothe Street, Portsmouth, OH, 45662
  • Desco Federal Credit Union provides an exceptional banking experience to residents of Scioto and Lawrence Counties in Ohio, Boyd and Greenup Counties in Kentucky, and Cabell and Wayne Counties in West Virginia. As we continue to expand, our commitment to our members and the community will remain top priority.
  • Ohio Valley Bank
  • 420 Third Avenue, Gallipolis, OH, 45631
  • 16 offices in southern Ohio and western West Virginia. The bank is headquartered in Gallipolis, Ohio and is a subsidiary of Ohio Valley Banc Corp. Ohio Valley Bank is credited for many banking ""firsts""​ in its region. The bank was the first in Gallia County to offer ATMs, in-store branches, banking on Sunday and most holidays, internet bank
  • Encore Bank
  • 1801 Rahling Rd, Little Rock, AR, 72223
  • Encore Bank is a private, boutique bank with a commercial focus that couples highly experienced and talented bankers with innovative technology to offer unprecedented levels of personal service and experiences to its clients through a hospitality-inspired concierge approach. Encore provides a full suite of financial products
  • Bank Ozk
  • 17901 Chenal Pkwy, Suite 100, Little Rock, AR, 72223
  • Bank OZK, we strive to build on our community Bank heritage by combining high ethical standards with innovative technologies to deliver truly exceptional service to our clients and communities. We are committed to implementing new ideas and cultivating relationships that encourage our communities, large and small, to grow and thrive.
  • TRH Mortgage
  • 4600 Washington Ave, Suite 107, Evansville, IN, 47714
  • 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.
  • CAPITAL HOME LENDING
  • 4532 Pasadena Blvd, Suite C, Pasadena, TX, 77503
  • Capital home lending are a full-service mortgage brokerage specializing in every area of residential home lending.Our mission is to enrich and empower people's lives through homeownership while providing them with the lowest interest rate and closing costs. and We pledge to deliver our clients and referral partners.