USDA Vs. FHA your options comparison in Gibsonton, Hillsborough County, FL

In 2025, the USDA loan cap for Gibsonton in Hillsborough County, FL is $336,500, while the FHA cap is $472,030 for single-family homes.

Leverage the Lendersa® USDA loan calculator to compare today's USDA vs. FHA rates, and understand the required income, credit, reserves, and documents to qualify. Our tool shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Gibsonton, Hillsborough, FL

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

Choose USDA and FHA Loans in Gibsonton, FL

Lendersa® aims to connect you to the best USDA or FHA loans quickly and easily. Begin with one of three options to find matching lenders and suitable USDA programs.

Lendersa USDA loan requests and matching results

Overview of USDA Loans in FL

The USDA loan, backed by the Department of Agriculture, also known as the USDA rural development or mortgage loan, is designed for rural areas only. In contrast to FHA, which demands a minimum 3.5% down payment, USDA loans do not require any down payment.

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



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