FHA VS Conventional loan programs in 2025 for Sebring, Highlands County, Florida

In 2025, the conventional loan limit in Sebring, county of Highlands, FL is $726,200, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® Conventional loan calculator to evaluate today's best rates among Conventional, FHA, and USDA loans, determining necessary income, credit, reserves, and documents to qualify. The advanced mortgage calculator offers a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA programs, helping you choose the ideal one in FL based on your financial circumstances.

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Loan Limits and Down Payment Needs for 2025 in Sebring, Highlands County, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This data applies to the following ZIP codes: 33870, 33875, 33871

Explore Conventional and FHA Loan Options in Sebring, FL

Lendersa® aims to quickly secure the best possible Conventional, USDA, or FHA loans with ease. Start by selecting one of three pathways that align you with appropriate lenders and loan programs.

Results of Lendersa USDA loan requests


  • Rate House Mortgage Company
  • 1316 Bound Brook Suite 2C, Middlesex, NJ, 8846
  • Rate House Mortgage Company was founded with a simple mission - To provide our clients with the best rates and terms in the industry. And our Team Members with the best place to work. Our priority is to keep home ownership affordable, and accessible to qualified American Families.
  • Loan Java LLC
  • 3130 North Shiloh Road, Garland, TX, 75044
  • 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.
  • Community State Bank
  • 224 W Main St, Brook, IN, 47922
  • We are a community owned and operated bank that has served Brook and the surrounding communities for over 85 years. Visit our page often for community news and discussion as well as important bank announcements.Facebook page. We are a community owned and operated bank that has served Brook and the surrounding communities for over 85 years.
  • Sage Capital Bank
  • 1606 North Sarah DeWitt Dr, Gonzales, TX, 78629
  • Sage Capital Bank, headquartered in Gonzales, Texas, is an independent community bank dedicated to the customers and communities we serve. We are committed to helping Texas businesses and families prosper. At Sage, it is our mission to provide superior personalized customer service.
  • Toledo Metro Federal Credit Union
  • 1212 Adams Street, Toledo, OH, 43604
  • TMFCU serving the City of Toledo & Lucas County since 1954. We now serve anyone who lives, works, attends church, school or volunteers in Lucas County! While this is an open forum, we intend to maintain a family-friendly atmosphere, so please use appropriate language at all times when posting and/or commenting on our wall.
  • ProMedica Federal Credit Union
  • 245 N Summit Street, Toledo, OH, 43604
  • ProMedica Federal Credit Union is a full-service Credit Union. Anyone associated with ProMedica and his or her family members are eligible to join PFCU. We are a full service financial institution that can assist with all of your deposit, borrowing, financial service and financial education needs.
  • Directions Credit Union
  • 200 N St Clair Street, Toledo, OH, 43604
  • Directions Credit Union—banking you can trust with a strong history and the highest quality financial services since 1953—now serves over 100, 000 members and manages a collective asset of more than $864 million. It’s this responsible management of member funds and the cost savings we pass along to our members
  • Maumee Valley Credit Union
  • 28 Fearing Boulevard North, Toledo, OH, 43607
  • "Founded in 1942, Maumee Valley Credit Union is celebrating its 78th anniversary this year. Our original field of membership consisted of employees of the New York Central Railroad, Penn Central Railroad, and Consolidated Rail Corporation. With increased popularity and demand for credit union services we began to expand our field of membership
  • The Farmers State Bank
  • 1101 West Main Street, Quinton, OK, 74561
  • The Farmers State Bank, the second bank established in Quinton, opened for business on April 7, 1908. A small wood frame building provided temporary facilities for the bank at that time. In 1929, stockholders purchased The First National Bank of Quinton and Kinta State Bank, consolidating assets under the state charter of Farmers State Bank.
  • Peapack-Gladstone Bank
  • 500 Hills Drive, Suite 300, Bedminster, NJ, 07921
  • Peapack Private, the bank’s wealth management* division, offers comprehensive financial, tax, fiduciary and investment advice and solutions, to individuals, families, privately-held businesses, family offices and not-for-profit organizations, which help them to establish, maintain and expand their legacy.
  • Anthony Bashton Mortgage Loans
  • 311 S Jupiter Rd, Suite 110, Allen, TX, 75002
  • Anthony is a mortgage professional with more than 20 years in the business. He specializes in helping low and middle income families and individuals become home-owners. With dozens of home products at my disposal, I can help you find the mortgage that is perfect for your individual needs.