FHA VS Conventional loan programs in 2025 for Memphis, Manatee County, Florida

In 2025, the conventional loan limit set for Memphis, within the county of Manatee, FL, is $726,200. Meanwhile, the FHA loan limit stands at $506,000 for single-family homes.

Leverage the Lendersa® Conventional loan calculator to explore and contrast today's top rates for Conventional, FHA, and USDA loans. Identify the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator positions Conforming Conventional, USDA, FHA, and VA loans side by side, guiding you to select the best program for your specific financial needs in FL.

Evaluate loan offers from up to 100 distinct lenders

2025 Loan Limits and Down Payment Requirements in Memphis, Manatee County, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $400,000 0%
FHA $506,000 3.5%

This comparison table is valid for the following zip codes: 34221

Options for Conventional and FHA Loans in Memphis, FL

The mission of Lendersa® is to swiftly deliver the best Conventional, USDA, or FHA loans efficiently and smoothly. Select one of three initial strategies to find matching lenders and appropriate loan programs.

Results matching USDA loan requests with Lendersa


  • Morehead Community Federal Credit Union
  • 503 West Main Street, Morehead, KY, 40351
  • At Morehead Community Federal Credit Union our members are owners, joined by the belief that we are investing in each other. We offer full-service banking with the goal to help members build a better financial future & we’ve been doing that since 1978 Morehead Community Federal Credit Union is the premier credit union of the Rowan County commu
  • Commonwealth Mortgage & Investments, Inc
  • 3740 West Hundred Road, Chester, VA, 23831
  • Commonwealth Mortgage and Investments, is a local mortgage company located in Chester, Virginia and has been servicing the Tri-City area for the past 25 years in the same location. They offer all type of mortgage loans and also With over 20 years in the business, we specialize in VA loans and have some of the best VA interest rates in the area.
  • Temple Mortgage LLC
  • 440 Monticello Ave, Suite 1850, Norfolk, VA, 23510
  • Temple Mortgage LLC is a company dedicated to providing quality financial services. We specialize in offering the lowest rates available and tailoring the services to meet the needs of our customers. Our qualified staff is available to answer any questions regarding property purchases, ReFinancing of primary and secondary property.
  • Capitol Mortgage Group
  • 9401 Courthouse Rd, Suite 303, Chesterfield, VA, 23832
  • Capitol Mortgage Group was created with one goal in mind, finding a Better Way to home loan financing. As an independent mortgage broker, Capitol Mortgage Group has access to hundreds of mortgage lenders across the country. We sort thru and handpick the lenders that not only offer the most aggressive interest rates
  • CMS Mortgage Solutions Inc.
  • 1612 Centerville Turnpike, Suite 307, Virginia Beach, VA, 23464
  • CMS Mortgage Solutions has expanded and are financing homes in District of Columbia, Maryland, Florida, Pennsylvania, North Carolina, and Virginia. Thriving on current market knowledge, we pride ourselves in offering loan programs to benefit every consumer. CMS Mortgage Solutions was founded by Corrina Carter in 2004
  • Members Heritage Credit union
  • 440 Park Place, Lexington, KY, 40511
  • Members Heritage opened its doors in April 1960 as IBM (Lexington) Employees Federal Credit Union. In the early 1990’s, the credit union began to grow and diversify, offering service to employees at additional companies. In 1993, our name was changed to Members Heritage Federal Credit Union, representing the concept of member ownership.
  • Hopewell Chemical Federal Credit Union
  • 702 Elm Street, Hopewell, VA, 23860
  • Hopewell Chemical Federal Credit Union has been open since 1965. The credit union has assets totaling $49.69 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
  • Citizens Deposit Bank of Arlington, Inc.
  • 1 Walnut Street, Arlington, KY, 42021
  • Citizens Deposit Bank is a community owned bank rooted in Western Kentucky. The bank was chartered by the Commonwealth of Kentucky in 1949 & continues to serve the needs of citizens of Carlisle, Hickman, Ballard & surrounding counties. Our reputation of being a hometown bank with excellent customer service is known throughout the counties we serve.
  • New Horizon Bank, National Association
  • 1870 Stoneridge Commerce, Powhatan, VA, 23139
  • New Horizon Bank was founded in Powhatan, VA about 20 miles west of Richmond. In 2009, a group of local business owners had a vision to meet a need – a community bank to provide an alternative to large regional and national banks. Powhatan is comprised of merchants, small manufacturers, farms, individuals, and families
  • Port of Hampton Roads ILA Federal Credit Union
  • 1355 International Terminal Boulevard, Suite 102, Norfolk, VA, 23505
  • The Port of Hampton Roads ILA Federal Credit Union is a financial institution owned and controlled by it's members. It continues to exist solely for the financial benefit of it's members through their ability to save money in the form of Share (deposits), purchasing of savings certificates (certificates of deposits) and other savings mechanisms.
  • Dragas Mortgage Company
  • 4532 Bonney Rd, Suite A, Virginia Beach, VA, 23462
  • Dragas Mortage is a locally owned and operated lender in Hampton Roads for over 50 years. We provide personalized mortgage lending across Virginia. Whether purchasing a home or refinancing, our dedicated team will help you get prequalified quickly and easily and help you every step of the way. We're local and we're here for you
  • OVM Financial
  • 5040 Corporate Woods Drive, Suite 100, Virginia Beach, VA, 23462
  • Welcome to the McNulty Team at OVM Financial, where superior service meets down to earth reliability. Our team provides an unparalleled level of mortgage understanding, allowing you to enjoy a smooth and seamless process. We aim to serve you, and we take great pride in exceeding your expectations.