FHA VS Conventional loan programs in Lakeland, Polk County, Florida

In 2026, within Lakeland, situated in Polk county, FL, the Conventional loan limit is set at $726,200, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® Conventional loan calculator for comparing today's top rates: Conventional, FHA, and USDA. Assess the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, review side-by-side Conforming Conventional, USDA, FHA, and VA loans to determine the optimal program for your financial situation in FL.

Explore loan offers from a network of 100 lenders

2026 Loan Limits and Downpayment Requirements for Lakeland, Polk, FL

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

This comparison is applicable for the following zip codes: 33813

Exploring Conventional and FHA Loan Options in Lakeland, FL

The aim of Lendersa® is to secure the best Conventional, USDA, or FHA loan for you swiftly and efficiently. Start with one of the three pathways available, each guiding you towards suitable lenders and loan programs.

See the results of USDA loan requests via Lendersa


  • 1st Community Credit Union
  • 1000 W Wisconsin St, Sparta, WI, 54656
  • 1st Community Credit Union is a not-for-profit organization owned by its members...people like you. Our purpose is to provide a source of credit at a fair and reasonable rate. As a member, you are one of the owners of your Credit Union. We take pride in serving our members in the best way we know how: with friendly, personalized service.

  • WoodTrust Bank
  • 181 2nd Street S, Wisconsin Rapids, WI, 54494
  • WoodTrust Bank engages in a wide variety of financial service activities on behalf of a diverse group of corporate, family, individual and not-for-profit customers. The company serves approximately $3.0 billion in client assets and in the past has been named the #1 community Bank holding company in the United States by U.S. Banker magazine.

  • Franklin Savings Bank
  • 387 Central Street, Franklin, NH, 03235
  • Franklin Savings Bank is committed to fulfilling the financial services needs of the families and businesses in New Hampshire. We consistently deliver superior quality service that exceeds the expectations of our customers. As an community savings bank, we acknowledge the importance of improving our customers'​ financial position.

  • Key Mortgage Corp
  • 18 Tower Ave, Rye, NH, 03870
  • 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

  • Maritime Mortgage Company
  • 1257 Washington Road, Suite 100, Rye, NH, 03870
  • 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. and also Maritime Mortgage Company, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it

  • Central Wisconsin Credit Union
  • 1301 Post Road, Plover, WI, 54467
  • Central Wisconsin Credit Union was created as the result of a merger between Consolidated Community Credit Union and Wisconsin River Credit Union. While the name, location and look of the credit union is relatively new, CWCU is endowed by a rich heritage, combining over 125 years

  • Woodmen Federal Credit Union
  • 1700 Farnam Street, Suite 1000, Omaha, NE, 68102
  • Woodmen Federal Credit Union has been open since 1934. The credit union has assets totaling $10.66 Million and provides banking services to more than 1, 000 members.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,

  • Omaha Public Power District Employees Federal Credit Union
  • 444 S 16th Street, Omaha, NE, 68102
  • The Omaha Public Power District Employees Federal Credit Union (OPPD EFCU) was established in 1938 as a nonprofit financial cooperative for the employees of the Omaha Public Power District and their families. We are member owned and operated under the direction of an elected volunteer board made up of OPPD employees.

  • Gallup Federal Credit Union
  • 1001 Gallup Drive, Omaha, NE, 68102
  • Gallup Federal Credit Union has been open since 1979. The credit union has assets totaling $21.6 Million and provides banking services to more than 2, 000 members.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups

  • LeverageRx
  • 808 Conagra Drive, Omaha, NE, 68102
  • LeverageRx is a digital lending and insurance marketplace exclusively for doctors. We make it incredibly simple to compare rates on physician mortgage loans, physician disability insurance, student loan ReFinancing, and other financial services for medical professionals. Make smart, swift financial decisions with LeverageRx.

  • Union Pacific Streamliner Federal Credit Union
  • 1400 Douglas Street, MS 0040, Omaha, NE, 68179
  • Since our origin in 1937, the Union Pacific Streamliner Federal Credit Union has been serving our members, Union Pacific employees, and their families, with exceptional service and financial products.

    Union Pacific Streamliner Federal Credit Union focuses our energies on delivering the very best personal service to our members,