USDA Vs. FHA Pro and Con comparison in Floral-City, Citrus County, FL
In 2025, the USDA loan cap for a single-family home in Floral-City, within the county of Citrus, FL, is $285,000. Meanwhile, the FHA limit is given as $356,362.
Explore today's most favorable USDA vs. FHA rates using Lendersa®'s USDA loan calculator. This tool helps identify the necessary income, credit standing, reserves, and documentation needed for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, guiding you to choose the best program in relevant to your financial situation.
2025 loan limits and down payment requirements in Floral-City, county of Citrus, 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 programs in Floral-City, FL
Lendersa®'s objective is to secure you an ideal USDA or FHA loan quickly and with minimal hassle. Start with one of the three options that connect you to USDA loan programs and matched lenders.
The USDA home loan is a government-sponsored loan provided through the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, open solely to rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA loans need no down payment at all.
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