USDA Vs. FHA Pro and Con comparison in Dade-City-North, Pasco County, FL

For 2026, the USDA loan cap in Dade-City-North, within Pasco, FL, is {DETAILS_LOAN_LIMIT_USDA_1_1_4}, while the FHA limit for a single-family home stands at $356,362.

Use Lendersa®'s USDA loan calculator to evaluate and compare today's leading USDA and FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program tailored to your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Dade-City-North, Pasco, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Dade-City-North, FL

Lendersa® aims to efficiently connect you with the top USDA or FHA loan without any hassle. Choose from three pathways that result in matched lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan is guaranteed by the Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans do not require any down payment.

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



Dade-City-North Lenders

  • BankFlorida
  • 12612 Highway 301 South, Dade City, FL, 33525
  • Lends in Florida
  • BankFLORIDA serves our customers and community by providing financial services with the highest level of integrity and a superior banking experience. We provide our customers access to a full range of financial products and will work hard every day to exceed their expectations. We strive to be the preferred provider, create customer loyalty

  • Home Capital Corporation
  • 38349 County Road 54, Zephyrhills, FL, 33542
  • Lends in Florida
  • Home Capital Corporation was founded in 1998 by Billy Davis, who is still President and Primary Broker Loan Officer. Our motto is "Home Loans from REAL People Who Care" and we live up to this every day. We offer the best service and pricing in the industry, and our customers have rated us with 5 Stars in ALL Reviews because we follow through.

  • My Easy Mortgage
  • 2405 Creel Lane, Suite 102, Wesley Chapel, FL, 33544
  • Lends in Florida
  • Our Tampa-based team is at your service to find the perfect mortgage for you and get you into the home of your dreams. We treat every client like family and go above and beyond to get you the lowest mortgage rate in the fastest time to closing on your property. Our team will make your mortgage process as simple and easy as possible.

  • Benchmark Mortgage
  • 28210 Paseo Dr. Ste. 125, Wesley Chapel, FL, 33543
  • Lends in Florida
  • Core Values Based Lending
    I owe my successes to a service model based on the Benchmark Core Values. We pride ourselves on providing personal service, competitive rates, and efficient loan processing. Benchmark was founded on the principle of customer focus with service that exceeds expectations.

  • New Destiny Mortgage
  • 21874 Butterfly Kiss Drive, Land O Lakes, FL, 34637
  • Lends in Florida
  • At New Destiny Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you

  • Belsky Mortgage LLC
  • 24406 Summer Wind Ct, Lutz, FL, 33559
  • Lends in Florida
  • A well diversified mortgage broker who works in both the residential and commercial real estate. A large network of lending resources for nearly any deal. Fully licensed for primary residential homes in FL, NC, OH, and TX. Private and Commercial Investment lending in 48 states. Reach out to see what we can do for you today!

  • Central Bank
  • 20701 Bruce B Downs Boulevard, Tampa, FL, 33647
  • Lends in Florida
  • Central Bank officially opened in February 2007 in Tampa, FL and is a full service, independently owned Florida bank that specializes in serving the banking needs of individuals and small businesses. The overall strategy for Central Bank has always been to be an independent community bank providing a higher level of personalized service

  • Naviagtor Lending Solutions
  • 5328 Primrose Lake Circle, Suite A, Tampa, FL, 33647
  • Lends in Florida
  • Navigator Lending Solutions was founded by seasoned mortgage professionals who recognized the need for reliable back office support in the mortgage industry and shared a collective vision to become the single source provider for lenders. Navigator Lending Solutions supports Retail, Wholesale and Correspondent lending channels.

  • Marimark Mortgage LLC
  • 5327 Primrose Lake Circle, Tampa, FL, 33647
  • Lends in Florida
  • Marimark Mortgage is a licensed Florida mortgage lender/broker offering loans in Florida, Virginia and Pennsylvania. Whether you are buying a new home or refinancing, we have loan options that best fit your needs. We also use all the latest technologies to ensure a safe and easy loan process that delivers results.