FHA VS Conventional loan programs in Ridgecrest, Pinellas County, Florida

During 2025 in Ridgecrest, situated in the county of Pinellas, FL, the defined limit for a conventional loan is $726,200, whereas the limit for an FHA loan on a single-family home is $472,030.

The Lendersa® Conventional loan calculator is your tool for comparing the top current rates for Conventional versus FHA versus USDA loans. Calculate the required income, credit score, financial reserves, and necessary documents to qualify. With our sophisticated mortgage calculator, you're able to compare Conforming Conventional, USDA, FHA, and VA loans side by side, making it easier to determine the best program available in FL that suits your individual financial situation.

Explore and compare loan offers from a network of 100 lenders

2025 Loan Limits and Down Payment Requirements for Ridgecrest, Pinellas County, FL

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

This comparative table is pertinent to the zip codes: 33778, 33774

Comprehensive Loan Options: Conventional and FHA in Ridgecrest, FL

The mission of Lendersa® is to secure for you the most advantageous Conventional, USDA, or FHA loans, efficiently and hassle-free. Choose one of three pathways that align you with appropriate lenders and specialized loan programs.

Lendersa USDA loan inquiry and match results


  • Tower Fund Capital
  • 1325 6th Ave, New York, NY, 10019
  • Tower Fund Capital owns and operates private equity funds engaged in business of providing asset-based debt solutions for real estate industry. With 35 years of experience in real estate, banking, investments, acquisitions, financing, debt restructuring and workouts. We pride ourselves in finding a solution to any situation.
  • BorrowMoney
  • 512 Bayshore Drive, Suite 201, Fort Lauderdale, FL, 10019
  • We provide you with reputable lending institutions and financial information to break down how the borrowing will work so you can select the best option to fit your personal situation. Our Mission to provide resources, support, and comparative lenders for businesses, organizations and individuals at every stage of their financial journey.
  • Oakland University Credit Union
  • 2200 N Squirrel Rd, Rochester, MI, 48309
  • MSUFCU was established 84 years ago to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security.
  • Lucrative Home Loans Inc
  • 2490 Walton Boulevard, Suite 101, Rochester, MI, 48309
  • Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it’s a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our clients’ convenience, was essential to our many years of success.
  • Gem Home Loans LLC
  • 1675 West Hamlin Road, Rochester, MI, 48309
  • Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.
  • FUNDING RESOURCES MORTGAGE CORPORATION
  • 777 Passaic Ave; Suite 220, Clifton, NJ, 07012
  • Funding Resources Mortgage Corporation on a platform of superior quality lending practices, uncompromising integrity and unprecedented client service. FRMC is a client-focused mortgage-banking firm designed to make every clients’ mortgage experience pleasant and successful. FRMC accomplishes this goal
  • York Funding LLC
  • 575 Lexington Avenue, 4th floor, New York, NY, 10022
  • York Funding is a direct hard money bridge lender to real estate professionals engaged in the acquisition and renovation of one-to-four family houses, multi-family apartment buildings, mixed-use properties, retail, office, strip malls, warehouses, notes, buildable lots, commercial properties, hotels and halted new construction.
  • Tribute Home Lending LLC
  • 615 Wilcox St, Rochester, MI, 48307
  • At Tribute Home Lending LLC, we help our clients obtain the best mortgage terms, whether for the purchase of a new home or refinancing an existing home. We are partnered with the nation's best lenders, & we take pride in fast & efficient closings. We have flexible hours, which means you can communicate with us outside of the normal business ho