For the year 2026, the USDA loan limit in Crystal-Lake located in the county of Polk, FL, stands at $285,000, whereas the FHA loan limit for a single-family dwelling is set at $356,362.
Utilize Lendersa®'s USDA loan calculator to evaluate and contrast today's optimal USDA and FHA rates. This will also assist in determining necessary qualifications such as income, credit score, reserves, and documentation. By using our state-of-the-art mortgage calculator, you can simultaneously inspect USDA, FHA, Conforming, and VA options, aiding you in choosing the most suitable plan for your specific financial condition in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to efficiently secure the most favorable USDA or FHA loans for you. You can choose from one of three options designed to align lenders and USDA loan schemes.
USDA home loans, backed by the U.S. Department of Agriculture, are also referred to as USDA rural development loans or USDA mortgages. They are exclusively available in rural areas. Unlike FHA home loans that impose a minimum 3.5% down payment, the USDA mortgage does not demand any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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