USDA VS FHA in East-Lake, Pinellas County, FL

In 2026, the USDA loan limit for East-Lake in Pinellas County, FL, is $0, and the FHA cap for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's USDA versus FHA top rates. Determine necessary income, credit, reserves, and documentation for eligibility. The advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best program for your financial situation in .

Explore loan offers from 100 lenders

Loan Limits & Down Payment Needs in East-Lake, Pinellas County, FL, 2026

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

Discover USDA and FHA Loan Options in East-Lake, FL

Lendersa® aims to find the best possible USDA or FHA loans for you quickly and easily. Choose from three starting points to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

USDA home loans, also known as USDA rural development loans or mortgages, are government-backed and available only in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans need none.

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



East-Lake Lenders

  • Embassy Mortgage Group Inc
  • 230 Main Street, Suite B, Safety Harbor, FL, 34695
  • Lends in Florida
  • Embassy Mortgage has a commitment to excellence in service while providing solutions and results in the mortgage process. We pride ourselves with dedicated and sincere personal service. With us you are not a number and will enjoy the attention you deserve. All of our loan officers and processors have Federal and State Mortgage Broker Licenses.

  • Flagship Bank
  • 29750 US Highway 19 North, Suite 100, Clearwater, FL, 33761
  • Lends in Florida
  • Flagship Bank was founded by a local Board of Directors, owned by committed local shareholders & operated by successful, local bankers with deep roots in our community. As a community-based bank, Flagship Bank is committed to renewing former relationships and building new relationships by catering to the financial needs of owner managed businesses

  • Lewin & Associates
  • 2737 Westchester DR N, Clearwater, FL, 33761
  • Lends in Florida
  • Lewin & Associates, Inc. was established in 1996 by President and founder Michael A. Lewin, Investment Advisor Representative. Michael has worked in the financial services industry for over 25 years. Lewin & Associates, Inc. specializes in financial planning and mortgages. We work to help people with savings plans

  • Fidelity Funding Mortgage Corp
  • 759 SR 580, Suite 114, Clearwater, FL, 33761
  • Lends in Florida
  • We’re a Florida-based direct lender specializing in both traditional and non-traditional financing options.

    We understand the Florida marketplace and have created a lending platform to serve the unique needs of homebuyers here in the Sunshine State.

    Our branch office is located in Clearwater, FL. Our home office is located in Maitland, FL

  • Professional Mortgage Alliance LLC
  • 28870 US Highway 19 North, Suite 320, Clearwater, FL, 33761
  • Lends in Florida
  • At Mortgage Alliance, LLC, (PMA) was founded in 2014 by its President and CEO Mr. Michael L. Banner. We operate in Florida and New Jersey
    Mr. Banner brings 36 years of mortgage experience to the table and has established PMA as a premier mortgage company offering Fannie Mae, Freddie Mac, FHA, VA and Reverse Mortgages.

  • O.J. MORTGAGE COMPANY INC.
  • 29190 US Hwy 19 N, Clearwater, FL, 33761
  • Lends in Florida
  • OJ Mortgage Inc. do business the old fashioned way – one by one, family by family. We understand that obtaining a mortgage is one of the most important decisions many of us will ever make and it is our duty to make sure that you make the right one for you and your family. We will always provide you with the mortgage program that’s right for you

  • Florida Home Loan Centers
  • 4612 Ayron Terrace, Palm Harbor, FL, 34685
  • Lends in Florida
  • "Florida Home Loan Centers helping renters achieve home-ownership every day! Whether your 1st home or your 5th, we're here to partner with you and be at your side every step of the way!
    How we make a difference:



    - Zero Administration Fees

    - Zero Processing Fees

    - Zero Escrow Waiver Fees

    - Zero Notary Fees

  • Palm Harbor Mortgage Advisors, Inc
  • 3964 Mullenhurst Dr, Palm Harbor, FL, 34685
  • Lends in Florida
  • "We work with Families, 1st time homebuyers and the Self-employed who want to build Wealth for the long term through Home Ownership.
    Family owned and operated with over 20 years experience.
    Are you or someone you know needing mortgage advice? Contact us.At Palm Harbor Mortgage Advisors, ""You can take your dream home, home today.”"

  • Money Street Mortgage, LLC
  • 31119 US HIghway 19 N, Palm Harbor, FL, 34684
  • Lends in Florida
  • Our focus is on you, the customer. Whether you are thinking about buying a new home or refinancing your existing home, we have the experienced and hardworking home loan experts that you need on your side. Our staff knows that our work ethic and knowledge about the entire home buying process sets us apart as the premier mortgage broker.