FHA VS Conventional loan in Land-O'-Lakes, Pasco County, Florida

In 2026, the Conventional loan limit for Land-O'-Lakes in Pasco county, FL, is $647,200. For a single-family home, the FHA limit is $420,680.

Utilize Lendersa® Conventional loan calculator to assess today's best rates for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you see Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in the decision of the best program for your financial situation in FL.

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2026 Loan Limits and Down Payment Requirements in Land-O'-Lakes, Pasco County, FL

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

This table applies to the zip codes: 33549

Options for Conventional and FHA Loans in Land-O'-Lakes, FL

Lendersa® aims to secure the best possible Conventional, USDA, or FHA loan efficiently and without hassle. Choose one of three starting points to connect with lenders and find suitable loan programs.

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Land-O'-Lakes Lenders

  • Tampa Postal Federal Credit Union
  • 15916 N. Florida Ave, Lutz, FL, 33549
  • Lends in Florida
  • Tampa Postal Federal Credit Union was founded by a group of USPS employees shortly after the Great Depression in 1941. Their goal was to create a financial institution where members and their financial dreams, not profits, were the focus.Today, Tampa Postal FCU continues this mission by providing a full range of financial services.

  • R & J CAPITAL GROUP, LLC
  • 18952 N Dale Mabry Hwy, Suite 101, Lutz, FL, 33548
  • Lends in Florida
  • 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.

  • SunPoint Home Loans
  • 17734 Hunting Bow Circle Suite 102, Lutz, FL, 33548
  • Lends in Florida
  • SunPoint Home Loans, we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. and help you obtain the best loan possible. We represent a wide range of “A” rated lenders with first quality rates to private portfolio lenders with expanded underwriting guidelines to help.

  • Belsky Mortgage LLC
  • 24406 Summer Wind Ct, Lutz, FL, 33559
  • Lends in Florida
  • A well diversified mortgage broker who works in both the residential and commercial real estate. A large network of lending resources for nearly any deal. Fully licensed for primary residential homes in FL, NC, OH, and TX. Private and Commercial Investment lending in 48 states. Reach out to see what we can do for you today!

  • All Florida Home Loans
  • 17717 Hunting Bow Circle, Suite 101, Lutz, FL, 33558
  • Lends in Florida
  • "All Florida Home Loans offers a wide range of mortgage options to meet your financial needs.
    Whether you’re a first-time home buyer, a seasoned investor, interested in cashing out equity,
    or venturing into a commercial property, we're here to guide you all the way - drama free."

  • Innovative Mortgage Services
  • 17717 Hunting Bow Cir #101, Lutz, FL, 33558
  • Lends in Florida
  • Innovative Mortgage our goal is to offer you unparalleled service and extremely competitive Florida mortgage rates in minutes. Our wide selection of loan products help us provide the perfect mortgage to fit for your specific Florida home buying or refinance needs. Our mission is to serve our customers with honesty, integrity and competence.

  • American Fidelity
  • American Fidelity, Lutz, FL, 33558
  • Lends in Florida
  • At American Fidelity, we offer exceptional home loans options, large and small business loans, HARP programs and private lending.We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

  • Home Mortgage Lenders Inc
  • 14502 North Dale Mabry Highway, Suite 200, Tampa, FL, 33618
  • Lends in Florida
  • Home Mortgage Lenders, Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available.

  • Onboard 1 Mortgage
  • 14502 N Dale Mabry Hwy, Suite 132, Tampa, FL, 33618
  • Lends in Florida
  • Welcome to Onboard 1 Mortgage, where we specialize in residential mortgages. At Onboard 1 Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.