In 2026, for Clearwater in Pinellas county, FL, the USDA loan cap is $0, whereas the FHA limit for a single-family home is $472,030.
Use Lendersa®'s USDA loan calculator to assess today's top USDA versus FHA rates, determining the income, credit, reserves, and documentation required for eligibility. Our advanced mortgage tool displays USDA, FHA, Conforming, and VA options side by side to help you decide which program in suits your financial situation best.
2026 Loan Limits and Down Payment Standards in Clearwater, Pinellas, FL
Loan Type
Limit
Down Payment
USDA
$0
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Clearwater, FL
The aim of Lendersa® is to secure the best possible USDA or FHA loan swiftly and effortlessly. Choose from three starting points to connect with lenders and USDA loan programs effectively.
A USDA home loan, often called a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. Unlike FHA loans, which need a minimum 3.5% down payment, USDA loans require no down payment.
I have 21 yrs experience in the space with 18 yrs specializing in Renovation/Construction Lending with more than 3000 renovation and construction fundings in my career. I'm VP of Renovation and Construction Lending for a mortgage bank, and also have my own commercial loan brokerage company. I have in depth experience with an extensive record of suc
"Clearwater Mortgage is a family run business. Founded by Scott Chinchar (Scotty to most) and Sandy Chinchar, husband and wife, along with their son, Jesse Chinchar. Jesse is otherwise known as Coach Jesse, (of the getting more and more famous Clearwater Academy International Knights football team)."
600 CLEVELAND STREET, SUITE 212, Clearwater, FL, 33755
Lends in Florida
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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.
1253 Park Street, Suite UE8,, Clearwater, FL, 33756
Lends in Florida
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