FHA VS Conventional loan in Treasure-Island, Pinellas County, Florida

In 2026, the Conventional loan limit in Treasure-Island, within Pinellas 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 among Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator offers side-by-side comparisons of Conforming Conventional loans with USDA, FHA, and VA options, helping you decide on the best program in FL tailored to your financial situation.

Explore loan offers from 100 diverse lenders

2026 Loan Limits and Down Payment Requirements in Treasure-Island, County of Pinellas, FL

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

This comparison table applies to zip codes: 33706

Conventional and FHA Loan Options in Treasure-Island, FL

The goal of Lendersa® is to get you the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting points to connect with lenders and suitable loan programs.

Review Lendersa USDA loan requests and matches


Treasure-Island Lenders

  • WatersEdge Mortgage
  • 7873 3rd Ave S Sain, Saint Petersburg, FL, 33707
  • Lends in Florida
  • WatersEdgeMortgage, LLC is a broker located at 7873 3rd Ave S, St. Petersburg, FL 33707. We are a privately owned mortgage company doing business only in Florida. NMLS No. 948963

    WatersEdge Mortgage, LLC has become known as providing among the lowest rates and costs in the industry and Florida’s most trusted mortgage broker.

  • Interim Capital Mortgage, LLC
  • 1135 Pasadena Ave. S, Suite 101, Saint Petersburg, FL, 33707
  • Lends in Florida
  • Interim Capital Mortgage, LLC. is a Florida licensed Mortgage Broker Business specializing in residential loans. We have the knowledge and experience to be trusted with the financing for the most important asset you will ever own, your home. Our company has superior relationships with the top Wholesale lenders in the country,

  • Total Mortgage Lending
  • 1700 34th Street South, Saint Petersburg, FL, 33711
  • Lends in Florida
  • Total Mortgage Lending will work to get you the best rates and programs. We Pride ourselves on being committed to caring and putting our clients first and also first home is a major milestone in life but the process of obtaining a mortgage can feel a little bit overwhelming. The various paperwork, requirements.

  • Creative Mortgage Lenders
  • PO Box 76482, Saint Petersburg, FL, 33734
  • Lends in Florida
  • Our company offers purchase home loans and refinance mortgage loan products tailored to fit your specific needs. If you're searching for a purchase mortgage or refinance loan, we can help you! Find answers quickly, browse through the helpful information, use the online calculators, answer a few questions.

  • Twenty First Century Mortgage Services Inc
  • 4350 Duhme Road, Seminole, FL, 33708
  • Lends in Florida
  • Our mortgage experts give you the individual attention you deserve and treat you right. We know you're making a commitment in purchasing a home, refinancing, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.

  • Sea Vista Home Loans
  • 14955 Gulf Blvd, Madeira Beach, FL, 33708
  • Lends in Florida
  • Sea Vista Home Loans is your first step to receiving optimal home financing conditions.Working closely with you, your real estate agent, & every other party involved, we ensure you get the best possible financing conditions & enjoy a smooth, effortless transaction.We Are Committed to Helping You Get the Best Financing for the Home of Your Dreams.

  • Team Stapleton Home Loans LLC
  • 3035 5TH Ave N St., Saint Petersburg, FL, 33713
  • Lends in Florida
  • Team Stapleton Home Loans LLC in St. Petersburg is the friendly mortgage lender with small-town values. Never hesitate to call us, even if you just want to ask a question or you’re not ready to start the home loan application process. Think of us as a neighbor who happens to know a ton about home loans. Of course, if you’re ready to get started.

  • Citrus Lending of Tampa Bay
  • 6035 43rd Terrace N, Saint Petersburg, FL, 33709
  • Lends in Florida
  • Citrus Lending of Tampa Bay is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending of Tampa Bay will work with you to get you the financing you need

  • 1st Equity Capital Funding, Inc.
  • 4359 35th Street North, Suite E5, Saint Petersburg, FL, 33714
  • Lends in Florida
  • 1st Equity Capital Funding, Inc equityWhether the commercial real estate you are trying to finance is for a rate & term refinance due to a balloon coming due, a cash out refi, a note being called in, or an acquisition, we work in correspondence with many wholesale commercial mortgage lenders from Life Insurance Companies.