USDA VS FHA in Clearwater, Pinellas County, FL

In 2025, 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.

Explore loan offers from 100 lenders

2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

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.

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



  • Buwalda Mortgage Services, Inc.
  • 426 N Redington, Hanford, CA, 93230
  • Buwalda Mortgage Services Inc., AKA BMS Inc., offers a variety of loan products from FHA, Conventional, VA and Privately funded loans. We are a family owned business that has over 24 years experience in mortgage lending, finance, and retail Banking.variety of loan products from FHA, Conventional, VA and Privately funded loans. We are a family
  • Valleywide Lending Solutions
  • 630 North Irwin Street, Hanford, CA, 93230
  • Our mission here at Valleywide Lending 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.
  • All Family Lending
  • 1300 N Irwin St, Hanford, CA, 93230
  • All Family Lending & Real Estate has been providing mortgage loans and real estate sales to the residents of Hanford and the surrounding areas since 2005 and also All Family Lending apart is our ability as Mortgage Brokers to reach across several loan programs and products,effectively tailoring a loan to each and every one of our unique customers.
  • Granite West Funding, LLC
  • 40879 CA-41, Suite 1A, Oakhurst, CA, 93644
  • "Granite West Funding as a locally-based Oakhurst mortgage company, we work with customers in and around Oakhurst as well as throughout the state of California. Our goal is to get you quickly and affordably into your dream home, and to make the entire lending experience speedy, friendly and easy."
  • New Age Mortgage Services
  • 3252 Whiteash Ave, Clovis, CA, 93619
  • 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.
  • Green Valley Real Estate and Mortgage
  • 2308 Lombard Lane, Clovis, CA, 93619
  • Welcome to Green Valley Real Estate and Mortgage, your one stop home buying and selling destination. Looking to buy or sell a home? Be sure to contact us or view the current market right here. Searching for your next home just became a lot easier with our free, up to date real estate search that allows you to search just like an agent.
  • North Bay Capital
  • 808 Blackwood, Clovis, CA, 93619
  • North Bay Capital is the premiere real estate and mortgage brokerage in Sonoma County. We see real estate as a durable asset which has been used by countless people through time to generate wealth through its investment. When you invest in capital, like real estate, you’re ensuring future prosperity.
  • JBR BROKER SERVICES
  • 353 Sherwood Drive, Santa Barbara, CA, 93110
  • Full Service Real Estate Brokerage, 24 years experience in helping buyers find their perfect home and sellers sell their home while saving buyers and sellers thousands of dollars.Brokerage, 24 years experience in helping buyers find their perfect home and sellers sell their home while saving buyers.
  • Santa Barbara County Federal Credit Union
  • 2623 De La Vina St, Santa Barbara, CA, 93105
  • The mission of the Santa Barbara County Federal Credit Union is to provide competitive, cost-effective, economically feasible services to our members, while emphasizing convenience and personal attention. You can join SBCFCU if you work for one of our sponsors or have an immediate family member with an account with us.