FHA VS Conventional loan in Zephyrhills, Pasco County, Florida

For 2026, the conventional loan limit in Zephyrhills, located in Pasco county, FL, is $726,200, while the FHA limit for a single-family home is $472,030.

Employ the Lendersa® Conventional loan calculator to evaluate today's top rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can compare Conforming Conventional loans, USDA, FHA, and VA side by side, helping you select the optimal program in FL for your financial needs.

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2026 Loan Limits and Downpayment Requirements in Zephyrhills, Pasco, FL

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

This table applies to the zip codes: 33542

Exploring Conventional and FHA Loan Options in Zephyrhills, FL

The mission of Lendersa® is to quickly facilitate the best possible Conventional, USDA, or FHA loan without hassle. Choose one of three starting points below to find matching lenders and suitable loan programs.

Lendersa USDA loan request and matching results


Zephyrhills Lenders

  • Home Capital Corporation
  • 38349 County Road 54, Zephyrhills, FL, 33542
  • Lends in Florida
  • Home Capital Corporation was founded in 1998 by Billy Davis, who is still President and Primary Broker Loan Officer. Our motto is "Home Loans from REAL People Who Care" and we live up to this every day. We offer the best service and pricing in the industry, and our customers have rated us with 5 Stars in ALL Reviews because we follow through.

  • Benchmark Mortgage
  • 28210 Paseo Dr. Ste. 125, Wesley Chapel, FL, 33543
  • Lends in Florida
  • Core Values Based Lending
    I owe my successes to a service model based on the Benchmark Core Values. We pride ourselves on providing personal service, competitive rates, and efficient loan processing. Benchmark was founded on the principle of customer focus with service that exceeds expectations.

  • NorthStar Lending LLC
  • 10235 Harney Road, Thonotosassa, FL, 33592
  • Lends in Florida
  • We have been in the loan origination business for many successful years. This longevity and confidence comes from our mortgage services to a great many homeowners, and their recommendations to others that result in repeat referral business. Our mission is to be a shining light that will guide our customers.

  • My Easy Mortgage
  • 2405 Creel Lane, Suite 102, Wesley Chapel, FL, 33544
  • Lends in Florida
  • Our Tampa-based team is at your service to find the perfect mortgage for you and get you into the home of your dreams. We treat every client like family and go above and beyond to get you the lowest mortgage rate in the fastest time to closing on your property. Our team will make your mortgage process as simple and easy as possible.

  • Central Bank
  • 20701 Bruce B Downs Boulevard, Tampa, FL, 33647
  • Lends in Florida
  • Central Bank officially opened in February 2007 in Tampa, FL and is a full service, independently owned Florida bank that specializes in serving the banking needs of individuals and small businesses. The overall strategy for Central Bank has always been to be an independent community bank providing a higher level of personalized service

  • Naviagtor Lending Solutions
  • 5328 Primrose Lake Circle, Suite A, Tampa, FL, 33647
  • Lends in Florida
  • Navigator Lending Solutions was founded by seasoned mortgage professionals who recognized the need for reliable back office support in the mortgage industry and shared a collective vision to become the single source provider for lenders. Navigator Lending Solutions supports Retail, Wholesale and Correspondent lending channels.

  • Marimark Mortgage LLC
  • 5327 Primrose Lake Circle, Tampa, FL, 33647
  • Lends in Florida
  • Marimark Mortgage is a licensed Florida mortgage lender/broker offering loans in Florida, Virginia and Pennsylvania. Whether you are buying a new home or refinancing, we have loan options that best fit your needs. We also use all the latest technologies to ensure a safe and easy loan process that delivers results.

  • DeVore Financial Services
  • 19046 Bruce B Downs Blvd, Suite 234, Tampa, FL, 33647
  • Lends in Florida
  • DeVore Financial Services is to serve our customers with honesty, integrity & competence. We redefine excellence in Mortgage Brokerage services by stepping away from tradition and exploring new innovative ways to serve our customer’s Mortgage needs.Our goal is to provide home loans to our clients while providing them with the lowest interest rates.

  • Green House Mortgage
  • 20420 Colonial Hill Dr, Tampa, FL, 33647
  • Lends in Florida
  • Green House Mortgage is a fully and independent mortgage loan origination entity - Currently ONLY in Florida. We can assist in a wide variety of loan programs including VA, FHA, Conventional and Jumbo and Reverse Mortgages.We help originate in both the refinance and purchase scenarios. More specifically