During 2026, the USDA loan threshold in Fruitville, which is in Sarasota county, FL, amounts to $400,000. In comparison, the FHA threshold for a single-family dwelling is $506,000.
Leverage the Lendersa® USDA loan calculator to contrast today’s premier USDA and FHA rates. Determine the income, credit, reserves, and documentation necessary to qualify. Our sophisticated mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program in Alabama based on your specific financial requirements.
Compare loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $400,000 | 0% |
| FHA | $506,000 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to promptly and effortlessly find you the most favorable USDA or FHA loan. Choose one of the three paths to connect with compatible lenders and USDA loan options.
The USDA home loan, backed by the U.S. Department of Agriculture, is also recognized as the USDA rural development loan or USDA mortgage. It is exclusively available in rural areas, requiring no down payment, unlike FHA loans which demand at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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