USDA Vs. FHA your options comparison in Bartow, Polk County, FL
For the year 2026, the USDA loan cap in Bartow, county of Polk, FL, is set at $336,500, whereas the FHA limit stands at $472,030 for a single-family home.
Employ the Lendersa® USDA loan calculator to compare the current top rates for USDA versus FHA loans, and ascertain the income, credit, reserves, and necessary documents for qualification. Our cutting-edge mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, guiding you to determine which program fits best with your financial situation in .
2026 Loan Limits and Downpayment Requirements in Bartow, County of Polk, FL
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Bartow, FL
The mission of Lendersa® is to swiftly and easily secure the most advantageous USDA or FHA loan for you. Choose from three starting paths that connect you with lenders and USDA loan programs.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is designated for rural areas exclusively. In contrast to FHA loans, which demand a minimum 3.5% down payment, the USDA mortgage requires no down payment whatsoever.
HSL was founded in 2008 and our corporate office is located in Bartow, Florida. We offer a wide selection of loan choices for our customers through flexible underwriting, reduced credit scores, and a knowledgeable staff. Our entire staff consist of knowledgeable, professional and approachable team members.
American Liberty Mortgage - Polk County - Winter Haven, FL
223 7th Street Southwest, Winter Haven, FL, 33880
Lends in Florida
American Liberty Mortgage, Inc. provides home loans, mortgage rates & mortgage refinance programs. | All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures.
First Mortgage Corporation of Winter Haven is a licensed mortgage lender in the State of Florida. We make and service loans for qualified individuals. We're a family run business; we understand the importance of investment in community. In these difficult times, its comforting to know there is someone who cares on the other end of the phone.
290 Cypress Gardens Blvd SE, Winter Haven, FL, 33880
Lends in Florida
In 2005, two Floridian real estate & development families, recognized signs of a housing catastrophe, through the over-inflated home values, which was caused by risky mortgage products and lax lending standards.In 2006, Vertical Lending was founded, as a licensed mortgage lender, to provide a higher lending standard.
Bank of Central Florida was founded to serve the financial needs of the local marketplace. The Bank is guided by a local Board of Directors with deep roots in the Central Florida area. These Board members have vast knowledge of the local business climate & are driven by their vision for a financial services institution.
"We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
The experienced team at Gain Equity Mortgage has over 50 years of mortgage experience combined. We are here to help, advise and do everything to get you into your dream home. Everyone is looked at to achieve their dream, some are ready today tomorrow or next year.The team helps you to own your home and become financially successful.
2126 E Edgewood Dr, Suite 3-4, Lakeland, FL, 33803
Lends in Florida
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
