USDA Vs. FHA Pro and Con comparison in Carrollwood, Hillsborough County, FL

For 2025, the USDA loan limit in Carrollwood, Hillsborough county, FL stands at $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the top USDA versus FHA rates available today. Determine the income, credit, reserves, and needed documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, which assists you in selecting the most suitable program for your financial circumstances in .

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2025 Loan Limits and Down Payment Information in Carrollwood, Hillsborough, 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 Carrollwood, FL

The mission of Lendersa® is to swiftly find you the most favorable USDA or FHA loan options, free from the fuss. Choose from one of three avenues to connect with lenders offering USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is provided exclusively in rural settings. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Rhino Funding Inc.
  • 600 Sandtree Drive, Suite 204 Palm Beach, West Palm Beach, FL, 33403
  • Rhino Funding Inc. 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.
  • Farmers Federal Credit Union
  • 6611 Dunn Ave, Jacksonville, FL, 32218
  • The American farmer has always been known for honesty, hard work, and helping out their neighbor. Those values were the foundation of our credit union back in 1934 when a group of local farmers came together and built a place to save their money and make loans to one another. WE ARE HERE TO SERVE YOU AND ALL OF YOUR FINANCIAL NEEDS!
  • Prosperity Home Finance
  • 516 29th St, West Palm Beach, FL, 33407
  • We understand the ups and downs that come with the challenge of home buying, or commercial building. Our professional and dedicated team has a passion for helping you secure the mortgage that's right for your situation. We take the frustration out of complex financing. We work with you each step of the way, keeping you updated with each development
  • Barnett Financial Services Inc
  • 2829 Exchange Court, Unit A, West Palm Beach, FL, 33409
  • 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.
  • ASC Mortgage Group
  • 8401 Lake Worth Road, Suite 110, Lake Worth, FL, 33467
  • Whether you are purchasing your first home or wanting to refinance your current mortgage, our Mortgage Loan Originators will do their best to find competitive rates. Our team will guide you through the entire process in hopes of making everything seamless and easy for you! Alexander Cockrell is the Owner of ASC Mortgage Group.
  • AMCI HOMESLLC
  • 6801 Lake Worth Road, Suite 109, Lake Worth, FL, 33467
  • AMCI HOMES, LLC is the key to your FINANCING. You need a Mortgage AMCI HOMES has a solution for you. AMCI HOMES.LLC was incorporated on 31 Aug 2017 as Florida Limited Liability Company type, registered at 6801 LAKE WORTH .RD SUITE 109 LAKE WORTH, FL 33467. Amci Homes.llc has 5 total employees across all of its locations.
  • Goldlynk Charter Llc
  • 8461 Lake Worth Road, Lake Worth, FL, 33467
  • When buying a home, there's none more important than the person you choose to represent you. We'll explain the process of buying your new home, and guide you through all the ups and downs and get closed on time.REGINALD WILLIAMS Owner of GOLDLYNK CHARTER LLC. If you are ready to start your buying or selling process give me a call at 561-667-8900.
  • Metro North Federal Credit Union
  • 310 Dundas Drive, Jacksonville, FL, 32226
  • Metro North Federal Credit Union is a member-owned financial institution whose purpose is to provide quality personalized services to our members at a competitive rate, while maintaining the Credit Union's long term financial stability. Metro North Federal Credit Union has been in operation since 1954.
  • Jet Real Estate
  • 410 Evernia St #523, West Palm Beach, FL, 33401
  • Discover unparalleled real estate services with Jet Real Estate, led by Jamison Troutman. Specializing in residential and commercial investment properties dynamic market, we provide personalized approaches tailored to your needs. From 1-4 unit multi-family investment properties to $100 Million commercial property our expert team ensures seamless, s