FHA VS Conventional loan in St.-Petersburg, Pinellas County, Florida

In 2025, the Conventional loan limit in St.-Petersburg, located in Pinellas county, FL, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator to assess the best rates available today for Conventional, FHA, and USDA loans. Determine what income, credit, reserves, and documentation are required. Our advanced mortgage calculator helps you examine side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding you in selecting the program that best fits your financial situation in FL.

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2025 Loan Limits and Downpayment Requirements in St.-Petersburg, Pinellas, FL

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

This table applies to the following zip codes: 33707, 33702, 33762, 33713, 33712, 33711, 33710, 33716, 33715, 33714, 33705, 33701, 33703, 33704, 33729, 33731, 33732, 33733, 33734, 33742, 33743, 33747

Options for Conventional and FHA Loans in St.-Petersburg, FL

Lendersa® aims to provide you with the quickest access to the best Conventional, USDA, or FHA loan hassle-free. Choose one of three available pathways that guide you to matching lenders and loan programs ideal for your needs.

Outcomes of USDA loan requests through Lendersa


  • MORTGAGE SOLUTIONS, LP
  • 11133 Interstate 45 S, Suite 310, Conroe, TX, 77302
  • "We are a full-service mortgage brokerage company that is based in Conroe, but serve all of Texas. We’ve been helping customers afford the home of their dreams for many years and we take pride in treating our clients with honesty and integrity. Mortgage Solutions LP NMLS #1636721..
  • Caroline Lending
  • 24 Greenway Plaza, Houston, TX, 77027
  • Founded in 2012, Caroline Lending focuses on providing fast and easy financing solutions for real estate investors. We have financed thousands of property rehabs in various counties and states around the country. We have also financed many new construction projects as well as bridge loans on commercial properties.
  • Priority Investor Loans
  • 3100 Weslayan St, Houston, TX, 77027
  • PIL is a private lender formed in 2008 by Geoffrey Giering and Dimitri Ang. PIL issues bridge loans for the acquisition and rehabilitation of distressed residential, multifamily, and commercial real estate, as well as to provide opportunistic financing for real estate development and construction in Texas. These loans finance a borrower’s “fix and
  • Gold Quest Group LLC
  • 1001 West Loop South, Suite 803, Houston, TX, 77027
  • Gold Quest Group, LLC.™ We are a full service Residential, Commercial, and direct Hard Money lender and Brokerage Firm. WE LITERALLY HAVE EVERY SINGLE AVAILABLE MORTGAGE PRODUCTS WITH GREAT RATES IN THE MARKET: FHA, VA, FANNIE MAE, FREDDIE MAC, USDA, SBA and Hard Money Loans. We have available as well, all type of GRANT PROGRAMS for first time
  • ZeusLending
  • 3104 Edloe Street, Suite 210, Houston, TX, 77027
  • ZeusLending.com is ranked as one of the fastest growing companies in the United States by Inc. Magazine and the Houston Business Journal. Our team of experts is regularly interviewed by ABC, CBS, FOX, CNN, and Bloomberg News on the real estate and mortgage markets. This knowledge and influence ultimately translates
  • ODYSSEY MORTGAGE CORPORATION
  • 2500 West Loop S, Suite 300, Houston, TX, 77027
  • Our mortgage professionals have the knowledge and experience to get your loan closed fast, and at the lowest rate possible. Our goal is to make the loan process streamlined. and we keep our clients informed every step of the way. At Odyssey Mortgage, we care about you. We're not like the banks - we provide personal attention
  • Secure Mortgage Company
  • 2500 West Loop South, Suite 250, Houston, TX, 77027
  • Secure Financial Services, Inc. d/b/a Secure Mortgage Company is a mortgage company that primarily services the Greater Houston home loan market place, including Houston, Sugarland, Katy, Galveston, Conroe, and all points in-between. We are licensed throughout Texas and we are also licensed to do loans in Washington state and Colorado.
  • Priority Investor Loans
  • 3100 Weslayan St, Suite 315, Houston, TX, 77027
  • Priority Investor Loans (PIL) has been your devoted hard money lender in Houston, Texas and surrounding areas for over 13 years! Our reliable hard money loan programs make the process of investment funding fast and convenient. Our programs enable our clients with single-family or commercial projects to receive funding in a short period of time.