FHA VS Conventional loan programs in 2025 for Port-Charlotte, Charlotte County, Florida

In 2025, the conventional loan limit for Port-Charlotte, located in Charlotte county, FL is $647,200, whereas the FHA limit is $420,680 for a single-family home.

Utilize the Lendersa® Conventional loan calculator to evaluate the best current rates for Conventional, FHA, and USDA loans. Assess the necessary income, credit, reserves, and documentation for eligibility. With our advanced mortgage tool, view Conforming Conventional, USDA, FHA, and VA loans side by side, enabling you to select the most suitable program in FL for your financial needs.

Compare loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Port-Charlotte, Charlotte County, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $315,100 0%
FHA $420,680 3.5%

This information pertains to the following ZIP codes: 33954, 33952, 33948, 33980, 33949

Exploring Conventional and FHA Loan Options in Port-Charlotte, FL

The goal of Lendersa® is to efficiently provide the best Conventional, USDA, or FHA loans available without hassle. Choose from three starting points that guide you to matching lenders and suitable loan programs.

Results from Lendersa USDA loan requests


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  • Western Ohio Mortgage Corporation
  • 733 Fair Rd., Sidney, OH, 45365
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  • Versailles Savings and Loan Company
  • 10413 Kley Road, Versailles, OH, 45380
  • At Versailles Savings & Loan, customer service is our number one priority. We are able to meet the needs of our customers with our staff’s fast friendly service. Being locally owned and operated, we are able to assist our customers by getting them answers in a timely manner rather than waiting for word from a corporate office
  • Freeland Financial
  • 2104 Appaloosa Drive, Fallston, MD, 21047
  • Freeland Financial has built a strong reputation as an outstanding mortgage brokerage firm. We serve the lending needs of builders, real estate professionals, and individual homebuyers throughout the state of Maryland, Virginia, and Florida.Our customers keep coming back because we have low rates and the best service in MD, VA and FL..
  • Thrive Credit Union
  • 4501 South Delaware Drive, Muncie, IN, 47302
  • Thrive Credit Union was founded in 1940 by the employees of Delco Battery. These employees joined together to establish a financial service dedicated to serving the hard working, faithful employees of Delco Battery and their families. Over the past 81 years, Thrive Credit Union has been a part of the Delaware County community.
  • First County Federal Credit Union
  • 1100 W 11th Street, Muncie, IN, 47302
  • First County Federal Credit Union in Muncie, Indiana is where free checking still rules and loan deals run wild. With physical branches on Muncie's diverse south and east sides, First County FCU provides real help for real people.Membership is open to anyone who lives, works, goes to church or goes to school in Delaware County, Indiana. And members
  • Merchants Capital Corp
  • 410 Monon Blvd, Carmel, IN, 46032
  • Merchants Capital is a multifamily, affordable and healthcare lender offering a direct way to access fixed-rate, long-term, non-recourse financing via our bank, Merchants Bank, all with a single point of contact. We strive to provide the best origination and service of loan products with exceptional customer service, accuracy, creativity
  • Atlantic Mortgage Inc
  • 865 West Carmel Drive, Suite 112, Carmel, IN, 46032
  • Established in July 2004 Atlantic Mortgage Inc. offers wholesale mortgage lending to consumers in Indiana and Florida. Atlantic Mortgage Inc. has developed an excellent reputation as a preferred mortgage brokerage firm. Serving the lending needs of home buyers, realtors/brokers, and custom builders.
  • Indiana Secondary Market For Edu
  • 11595 N. Meridian St, Suite 200, Indianapolis, IN, 46032
  • For over 40 years, the goal of INvestEd has been to provide students with solutions to put higher education within reach. We believe strong choices before college are the best way to limit excessive student loan debt after college. That’s why our efforts focus on providing friendly, free, expert financial aid help to students, families