USDA Vs. FHA Pro and Con comparison in Desoto-Lakes, Sarasota County, FL
For 2025, the USDA loan ceiling in Desoto-Lakes, situated in Sarasota county, FL, is set at $338,500, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to evaluate and contrast today's best USDA and FHA rates. It aids in determining required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA side by side, facilitating your decision on the best program for your financial needs in .
2025 loan limits and down payment requirements in Desoto-Lakes, Sarasota, FL
Loan Type
Loan Limit
Down Payment
USDA
$338,500
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA loans in Desoto-Lakes, FL
The aim of Lendersa® is to quickly and easily provide you with the best USDA or FHA loan alternatives. Choose from three preliminary options to be matched with lenders and USDA loan programs.
A USDA home loan, backed by the government’s Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is strictly for rural areas. In contrast to FHA loans, which require at least 3.5% down, a USDA loan does not necessitate any down payment.
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