USDA and FHA Pro and Con 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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  • 10737 Laurel St Suite 100, Rancho Cucamonga, CA, 91730
  • PDM Mortgage has brought these principles to our colleagues and our customers through a tradition of "can do, will do" service, making us the independently owned and operated residential mortgage lender of choice from our Rancho Cucamonga, ca and across America we are here to serve you in our Denver Colorado and Boynton Florida offices.
  • Rancho Capital Home Loans
  • 9121 Haven Avenue, Suite 210, Rancho Cucamonga, CA, 91730
  • Rancho Capital Home Loans specializes in financing residential properties in Rancho Cucamonga.We pride ourselves in professionalism and customer service. For all of your home loan needs and In 2019 our ownership opened Rancho Capital Home Loans with a goal of providing the best customer experience and the lowest rates in our surrounding area.
  • The Mortgage Phoenix Group
  • 8599 Haven Ave #301, Rancho Cucamonga, CA, 91730
  • The Phoenix Mortgage Group is a boutique Mortgage Planning Firm that offers the industries most comprehensive mortgage advice while simultaneously providing a work environment that loves and cares for it’s clients, partners, staff, environment and community and also We provide our clients clear, simple, and powerful mortgage plans.
  • Integrity Home Finance
  • 9377 Haven Ave. #110, Rancho Cucamonga, CA, 91730
  • Integrity Home Finance, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use ""common sense"" and will help you obtain the best loan possible. We represent a wide range of ""A"" rated lenders with first quality rates to private ""hardship"" lenders.
  • The Brandon Drew Group- Mortgage Firm
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  • The Brandon Drew Group is more than a family business, it’s our opportunity to serve our community the best way we know how. Whether you're a home buyer or real estate professional, we're devoted to adding confidence, clarity, and certainty to your biggest investments. After all, we know the type of attention each and every loan deserves.
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  • O1NE MORTGAGE INC
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  • Golden Coast Mortgage
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  • Capital United
  • 3200 East Guasti Road, Suite 100, Ontario, CA, 91761
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  • Apple Financial Network
  • 3200 E Guasti Rd, Suite 100, Ontario, CA, 91761
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