USDA and FHA Pro and Con in Elfers, Pasco County, FL

For the year 2025, the USDA loan limit in Elfers within Pasco County, FL, amounts to $336,500, whereas the FHA limit for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to assess the ideal USDA vs. FHA rates available today. It helps you determine the income, credit, reserves, and documentation necessary for qualification. With this advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side to decide which option in Alabama is most suitable for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Elfers, Pasco, FL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Elfers, FL

The primary aim of Lendersa® is to secure the most advantageous USDA or FHA loan promptly and with ease. Start with one of three provided options to access the matching lenders and USDA loan programs.

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Explaining USDA Loans in FL

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture and is exclusively available in rural communities. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans require no down payment.

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



  • Palmetto State Home Mortgage
  • 538 Old Howell Rd, Suite 101 & 102, Greenville, SC, 29615
  • Welcome to Palmetto State Home Mortgage. We’re a Mortgage company, backed by a Marine Corps Veteran founder, Shawn Ezell. The complete team at Palmetto State Home Mortgage has over 80 combined years of experience in the mortgage business. From Underwriting, funding, originating, bank loans, and now as mortgage brokers; we have done it all
  • Hiott Financial Corporation
  • 12 Rouse Road, Sumiton, AL, 35148
  • "Hiott Financial Corporation was incorporated in 2003. We are dedicated to building relationships with our clients in a dynamic lending environment. ​ HFC offers many mortgage products to meet the needs of our clients including USDA, FHA, Conventional, and VA. We enjoy alot of tradition and beauty here in the State of Alabama."
  • MERIDIAN MS AIR NATIONAL GUARD FEDERAL CREDIT UNION
  • 6225 M Street, Building 305, Meridian, MS, 39307
  • The Meridian MS ANG Federal Credit Union was chartered in 1963 as a non-profit financial organization that is regulated by the Nation Credit Union Administration (NCUA). Our Credit Union is owned and operated by its members for the benefit of all members. Our goal is to help each other by providing a quick economic source of confidential credit
  • First Bank of Boaz
  • 124 South Main Street, Boaz, AL, 35957
  • First Bank of Boaz is Marshall County’s oldest independent community bank. Owned & operated by seventy local stockholders, First Bank is able to make decisions locally & that means a customer is still treated as an individual, not as a number. With $278 million in assets & 17% in capital, the bank is large enough to handle all your banking needs.
  • Southern Home Mortgage Corporation
  • 888 US-431, Boaz, AL, 35957
  • Southern Home Mortgage Corp is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Loan Partners, LLC
  • 7835 Maple Street, New Orleans, LA, 70118
  • Located in New Orleans, Loan Partners is a real estate investment group and private portfolio lender providing capital for commercial and non owner occupied real estate projects. Our depth of experience enables us to identify immediate needs and optimal structuring. You can expect to receive a commitment letter detailing the terms
  • Coastal Mortgage Corp
  • 7921 Maple St, New Orleans, LA, 70118
  • Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify.
  • Audubon Mortgage LLC
  • 7628 St. Charles Avenue, New Orleans, LA, 70118
  • "Audubon Mortgage Based in New Orleans, Camie has over twenty years experience in mortgage lending. We strive for excellence and customer service. Please contact us to check our rates this mortgage company Loan Products & Programs are Conforming FHA/VA Alternative Low Doc Loans Nationwide High Balance and more"
  • Eureka Homestead Loan Office
  • 720 Harrison Ave, Suite A, New Orleans, LA, 70124
  • Eureka offers traditional deposit products including passbook savings accounts and certificates of deposit, as well as loan products. Our team of mortgage associates can help to find you the best available mortgage lending programs and work with you to assure the highest rate of approval with respect to your current situation