USDA Vs. FHA your options comparison in Bradenton, Manatee County, FL

In 2026, the USDA loan limit in Bradenton, within Manatee county of FL, is $400,000, whereas the FHA threshold for a single-family home is $506,000.

Use the Lendersa® USDA loan calculator to evaluate today’s top USDA vs. FHA rates, identifying the income, credit, reserves, and documents required for qualification. Our enhanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side to help you choose the optimal program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Bradenton, Manatee, FL

Loan Type Loan Limit Down Payment
USDA $400,000 0%
FHA $506,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Bradenton, FL

The aim of Lendersa® is to promptly secure the best USDA or FHA loan for you. Select one of the three starting points below to find matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

USDA home loans, also called USDA rural development loans or mortgages, are guaranteed by the U.S. Department of Agriculture. Available exclusively in rural areas, USDA loans do not require a down payment, unlike FHA loans that require at least a 3.5% down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • ChoiceOne Bank
  • 109 E. Division, Sparta, MI, 49345
  • ChoiceOne Bank is a full service financial institution with offices in Kent, Ottawa, Muskegon and Newaygo Counties. ChoiceOne Bank offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services, Inc. is the holding company headquartered in Sparta, Michigan.
  • Rediform Federal Credit Union
  • 3236 Lockport Road, Niagara Falls, NY, 14305
  • Rediform Federal Credit Union has been open since 1936 and Rediform Federal Credit Union To become the primary financial institution for our members by promoting savings and providing consumer credit at reasonable rates and to provide the highest level of services while maintaining financial security
  • Tonawanda Valley Federal Credit Union
  • 10 Jefferson Square Avenue, Batavia, NY, 14020
  • TVFCU is a community financial cooperative committed to providing quality and moderately priced financial services to the people of our community. Our mission is to promote thrift and provide a source of borrowing for provident and productive purposes; thereby helping our members understand and achieve their personal financial goals.
  • Tompkins Bank of Castile
  • 90 Main St, Batavia, NY, 14020
  • Tompkins Financial Corporation is a NY state based financial services holding company with $5 billion in assets, providing community banking, insurance, and wealth management services. Committed to creating long-term value for clients, communities, and shareholders, Tompkins'​ strategy emphasizes responsible growth and strong ROE
  • Carson Bank
  • 122 West Main Street, Mulvane, KS, 67110
  • Our purpose at Carson Bank is to strengthen our home communities by providing knowledgeable and trustworthy financial solutions to fulfill individual, commercial, and public financial needs. The As your trusted advisor and friend, We are attentive, caring, and accommodating to every customer who visits our bank.
  • The Valley State Bank
  • 502 North Merchant Street, Belle Plaine, KS, 67013
  • The Valley State Bank is a community bank that has operated under the same name since it was founded in 1897. Since establishment, the financial institution has grown and opened branch locations in Derby, KS and Wichita, KS. Valley State Bank has been accorded the special recognition of Blue Ribbon Bank
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  • Impact Bank was created by the April 2, 2012 merger of Caldwell State Bank and First National Bank in Wellington. Both financial institutions were healthy, long-standing community banks serving local families and businesses for generations. Caldwell State Bank was founded in 1928 and First National Bank in Wellington began in 1879.
  • Bank of Commerce and Trust Company
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  • The Bank of Commerce and Trust Company, formerly known as the National Bank of Commerce, can trace its roots to the oldest bank in Wellington, the Woods Bank. In October of 1873 Mr. John J. Woods opened the Woods Bank at the southwest corner of Washington and 7th Streets in a frame building. For several years,
  • First Trust and Savings Bank
  • 123 Main St, Wheatland, IA, 52777
  • First Trust and Savings Bank, with it's origin dating back to 1886, has been very blessed to be part of a strong agricultural area that now includes facilities in the towns of Wheatland, Dixon, Lost Nation, Calamus, Grand Mound, and Donahue, Iowa.First Trust is a locally owned community bank, with many long term experienced employees to serve you.
  • The First National Bank of Groton
  • 161 Main Street, Groton, NY, 13073
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  • 580 N. Main Street, Frankenmuth, MI, 48734
  • In 1964 Frankenmuth Credit Union was organized by the employees of Carling Brewery of Frankenmuth. They were looking for an alternative option for their financial needs. In the beginning only the employees of Carling Brewery, Zeilinger Beverage, Geyer’s Brewery and Star of the West Milling could join the credit union – the brewers and millers.
  • Neighborhood Mortgage Solutions, LLC
  • 975 North Main St, Suite D, Frankenmuth, MI, 48734
  • Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services to fellow credit unions. We are credit union owned and were founded in 2008 by three credit union partners in Michigan: Frankenmuth Credit Union, Alpena Alcona Area Credit Union and Team One Credit Union.