In the year 2026, FHA loan limits for Zephyrhills-South within the county of Pasco, FL, are defined as: $356,362 for a single-family home, $456,275 for two-unit properties, $551,500 for homes with three units, and $685,400 for those with four units.
The highest allowable amount for conventional loans on a single-family home is $548,250, with caps set at $702,000, $848,500, and $1,054,500 for two, three, and four units respectively.
To determine today’s top FHA rates and the necessary downpayment, income, credit, reserves, and documents for qualifying, use our FHA calculator.
The Lendersa® calculator lets you contrast FHA rate and terms against several other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, to ensure you see a full spectrum of options.
Lendersa® efficiently gathers lending program data from thousands of sources, swiftly tailoring comparisons to meet your unique financial profile and requirements.
In 2026, the Loan Limits Comparison Table for Zephyrhills-South county, located in Pasco, FL, allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans' maximum amounts. To scrutinize qualification requirements such as income, reserves, and credit, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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