Explore the differences! FHA VS Conventional loan programs in Sarasota-Springs, Sarasota County, Florida

In 2025, the conventional loan limit for Sarasota-Springs, in Sarasota county, FL, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Utilize the Lendersa® Conventional loan calculator to compare today’s best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program in FL for your specific financial situation.

Compare loan offers from 100 different lenders

2025 Loan Limits and Down Payment Requirements in Sarasota-Springs, Sarasota County, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $338,500 0%
FHA $420,680 3.5%

This comparison table applies to the following zip codes: 34232

Conventional and FHA Loan Options in Sarasota-Springs, FL

Lendersa® aims to provide you with the best Conventional, USDA, or FHA loan options quickly and easily. Choose one of three starting points to find matching lenders and appropriate loan programs.

Results from Lendersa's USDA loan request


  • McGregor Mortgage, LLC
  • 13 Park Avenue West, Suite 307, Mansfield, OH, 44902
  • McGregor Mortgage, LLC is committed to providing customer-minded mortgaging and was founded on the principles of bringing more mortgage options and products; always being available; establishing transparency with customers, realtors, and other business partners; delivering in an efficient manner
  • THA Mortgage
  • 28 Park Avenue West, Suite 601, Mansfield, OH, 44902
  • THA Mortgage provides a variety of loan options and knowledge to help each customer understand and select the best loan program for their needs. We are here to help clients in all phases of life meet their financial and real estate goals. Integrity, innovation, partnership and collaboration are the core values that drive THA Mortgage
  • Citizens National Bank of Texas
  • PO Box 717, Waxahachie, TX, 75168
  • We believe in mPowering our customers, the importance of giving back to the communities we serve, & we are proud to stand behind our promises. In business since 1868, we are the third oldest independent bank in Texas. With current assets over $600 million, we are 10 branches located in 7 cities: Waxahachie, Midlothian, Red Oak, Italy, Cedar Hi
  • Monticello Home Loans
  • 2921 Leechburg Rd, Lower Burrell, PA, 15068
  • We pride ourselves in treating our customers fairly, respectfully and with a maximum effort to find the proper mortgage product that fits their needs. Part of our job is to help educate consumers regarding mortgages and credit in general. We have built our business on an 87% customer referral base.
  • Foxhill Mortgage
  • 2814 Leechburg Road, Lower Burrel, PA, 15068
  • Foxhill Mortgage, Inc are licensed by the Pennsylvania Department of Banking and registered with the National Mortgage Licensing System. This ensures that you are working with a reliable and trustworthy firm. For most people, buying a home is the largest investment they will make.
  • The City National Bank of Taylor
  • 212 N. Main, Taylor, TX, 76574
  • Taylor, established in 1876, is a town of nearly 16, 250 located in the heart of Texas about 35 miles northeast of Austin, the state capital. The I&GN train tracks laid down through Williamson County quickly brought commerce and development to the newly settled town. City National Bank opened its doors in 1900
  • Apollo Trust Company
  • 201 North Warren Avenue, Apollo, PA, 15613
  • Apollo Trust Company, “A Bank You Can Believe In, ” has been going strong for 150 years. Organized and operated in Apollo, PA in an effort to help the borough’s people better manage and safeguard their money, the bank started after a meeting at Whitlinger’s Hall on May 16, 1871. Originally named “Apollo Savings Bank, ”
  • Bridgeton Onized Federal Credit Union
  • 339 Main Street, Cedarville, NJ, 08311
  • Bridgeton Onized Federal Credit Union has been open since 1939. The credit union has assets totaling $46.63 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
  • Neighborhood Housing Services of Waco, Inc
  • 922 Franklin, Waco, TX, 76701
  • NeighborWorks® Waco is a non-profit organization whose mission is to build stronger neighborhoods through homeownership, quality rental housing and community-building initiatives. Our team will continue work both on site and remotely, and will be available by mail and phone. We have decided to temporarily.