Explore the differences! FHA VS Conventional loan programs in Seffner, Hillsborough County, Florida

In 2026, the Conventional loan limit in Seffner, Hillsborough, FL is set at $726,200, whereas the FHA cap for a single-family home is $472,030.

Use the Lendersa® Conventional loan calculator to compare today’s best rates for Conventional, FHA, and USDA loans. Discover the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows for side-by-side comparisons of Conforming Conventional loans with USDA, FHA, and VA options, assisting you in choosing the best financial program for your needs in FL.

Browse loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Seffner, Hillsborough, FL

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

This table is relevant for the following zip codes: 33584, 33583

Conventional and FHA Loan Options in Seffner, FL

The goal of Lendersa® is to quickly provide you with the best Conventional, USDA, or FHA loans without hassle. Choose from three paths to connect with matching lenders and loan programs.

Explore results of Lendersa USDA loan requests


  • The Q Kapital Group Corp
  • 18851 Northeast 29th Avenue, Suite 104A, Aventura, FL, 33180
  • "Q Kapital Group, formed by Mauricio Ordoñez and Gaston Schneider is a Boutique Mortgage Specialized in Lending to Foreign National Investing in Residential & Commercial Real Estate We lend in Florida, New York, Texas & Colorado.

    We can lend to Foreign Nationals up to 70% Loan To Value.
    Q Kapital is Located in Miami Florida"

  • LendersUSAcom Inc
  • 21666 Marigot Dr., Boca Raton, FL, 33180
  • 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.

  • Secured Financial Mortgage Inc
  • 18851 NE 29th Avenue, Suite 700, Aventura, FL, 33180
  • We are a full-service mortgage company based in Aventura, Florida. Specializing both Onwer Occupied and Investment residential loan origiation, one-to-four unit properties, both purchase and refinance. Whether you are buying or refinancing, we can help you realize your dream of homeownership as an owner occupant or Real Estate investor.

  • Pordes Mortgage Group Inc
  • 21205 Northeast 37th Avenue, Suite 509, Miami, FL, 33180
  • Melissa Pordes founder & CEO of Pordes Mortgage Group, a licensed Mortgage Broker, has over 25 years of experience in the mortgage industry. Her experience is recognized by top real estate developers, wealth managers, accountants & realtors throughout the world. She has assisted their clients in placing over $1 billion in loans over her career.

  • KalbAdvisors Mortgage Solutions LLC
  • 20900 Northeast 30th Avenue, Unit 703E, Aventura, FL, 33180
  • To service our clients with integrity, commitment and service excellence. To find the best products for our clients’ individual needs and to utilize our 30 years of combined mortgage knowledge in residential, foreign national, and commercial lending to benefit our clients. We consider our clients to be part of our family and are valued as such.

  • Secured Horizon Financial Group Inc
  • 1801 Northeast 123rd Street, Suite 314, North Miami, FL, 33180
  • We proudly provide a wide range of portfolio and conventional residential & commercial mortgage programs for the special type of borrower that has special requirement. Or the special type of a property that does not fit into a normal bank mortgage requirement. We are an Award Portfolio Lender.

  • Shoreline Mortgage Inc
  • 20201 E Country Club Drive, Suite 1202, Aventura, FL, 33180
  • Shoreline Mortgage was founded in 1989 as an Internet Direct Lender, committed to using technology to provide a lower cost, more convenient mortgage to our customers. Our system eliminates commissioned loan officer, the highest cost component of the mortgage process. We further reduce costs by utilizing automated underwriting systems.

  • Loansmarter.com
  • 20200 W Dixie Hwy, Suite 1208, Miami, FL, 33180
  • At LoanSmarter.com we’re passionate about two things… Technology and Your Loan needs! We believe in empowering you with tools and modern technology to provide clear options about your home loan. We not only provide you with more options but a modern way of shopping and servicing your loan needs online.

  • Harmoney Capital
  • 20900 NE 30th Ave Suite 200-09, Miami, FL, 33180
  • Harmoney Capital LLC. was founded in Miami, Florida with the intention of helping borrowers finance their real estate needs. As a 100% self funded, family-owned and operated lending company, Harmoney Capital is able to practice innovative alternatives to traditional real estate financing. With no credit approval or income verification required.

  • New Century Financial Mortgage
  • 19901 E Country Club Dr APT 503, Aventura, FL, 33180
  • New Century Financial Mortgage
    Founded in 2020 with a mission to provide new age home financing solutions for people craving a thoughtful, personalized approach, New Century Financial Mortgage first entered the scene in Aventura, Florida. Since its inception, it has since grown to become one of Florida’s premier mortgage brokerages.

  • Nations Trust Mortgage
  • 20200 West Dixie Highway, 1104, Miami, FL, 33180
  • Nations Trust Mortgage is a mission-driven organization with a clearly defined set of values. We encourage our employees to have a strong sense of purpose, a high level of self-esteem and the capacity to think clearly and logically to provide the best possible rates on the right product, at very instant to our borrowers.