USDA VS FHA in Haines-City, Polk County, FL

In 2026, the USDA loan cap in Haines-City, located in the county of Polk, FL, stands at $285,000. Meanwhile, the FHA ceiling for a single-family residence is $356,362.

To evaluate the best rates between USDA and FHA loans today, utilize Lendersa®'s USDA loan calculator. This tool assists in assessing income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options, allowing you to choose the most suitable program for your financial scenario in Alabama.

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2026 loan limits and downpayment requirements in Haines-City, Polk, FL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA loan solutions in Haines-City, FL

Lendersa® aims to secure the best USDA or FHA loans swiftly and effortlessly. Begin with one of three pathways to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan is a government-backed loan from the Department of Agriculture, often termed a USDA mortgage or rural development loan, applicable in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require none.

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



  • Priority Credit Union
  • 301 East Michigan Street, Orlando, FL, 32806
  • The mission of PCU is “To foster the growth of our employees & as a team, deliver financial advice & products to the people of our community for each stage of lives” & with years of history combined with a bright future the delivery of dreams seems to continue.We are committed to a set of core values that ensures a member-centric business focus.

  • America's Money Source
  • 2306 Curry Ford Rd, Orlando, FL, 32806
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • HDH Mortgage
  • 5449 S Semoran Blvd, Suite 225, Orlando, FL, 32822
  • At HDH Mortgage Inc, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options

  • Insight Credit Union
  • PO Box 4900, Orlando, FL, 32802
  • Insight Credit Union is a state-chartered credit union dedicated to improving the financial lives of those who live and work in the communities it serves. With 13 locations and more than 125 employees, Insight serves over 50,000 members in Orange, Seminole, Volusia, Osceola, Lake, Sumter, Citrus and Marion Counties.

  • Equity Resources, Inc
  • 3046 Sutton Woods Dr, Plant City, FL, 33566
  • Equity Resources, Inc. is a privately held mortgage lender based in Central Ohio. The company was founded in 1993 and we are proudly celebrating our 27th anniversary this year. We are a positive, family-oriented team that is passionate about “Improving the Lives of Families.” We support personal growth and provide training, value.

  • OneStop Financial Services LLC
  • 2704 Rew Circle, Suite 105A, Ocoee, FL, 34761
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • MortgageNote.org
  • 1 S. Orange Ave, Suite 200, Orlando, FL, 32801
  • Before we created MortgageNote.org, we noticed that, although plenty of people want to buy mortgage notes, there are few comprehensive resources to help note owners weigh that decision. So we took the information that you normally would only receive during a lengthy conversation with a mortgage note expert and put it all online as a free resource.

  • Progressive Capital Lending Group
  • 111 North Orange Ave, Suite 800, Orlando, FL, 32801
  • We’ll provide the commercial finance you need to expand your company and tap new markets thanks to our full suite of lending products designed to bring you success. Furthermore, your project will be overseen by a dedicated team of financial experts who have made us a nationally renowned leader in small business loans.

  • Firefighter Mortgages®
  • 189 S Orange Ave, Suite 970, Orlando, FL, 32801
  • As firefighters ourselves, it is our mission to provide unparalleled mortgage value and service to our brother and sister firefighters, first responders, law enforcement members, and service members in a safe and friendly environment with their best interests as our guide.and Understanding that everybody’s situation and objectives may be different

  • Unrivaled Rate LLC
  • 121 South Orange Avenue, 15th Floor, Suite 1500, Orlando, FL, 32801
  • At UnrivaledRate, where we specialize in residential mortgages. At UnrivaledRate, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • VIP Mortgage Group
  • 1511 East Robinson Street, Orlando, FL, 32801
  • "VIP Mortgage Group is a mortgage service provider based in Orlando, Florida. We’re dedicated to providing our customers with simple, fast and easy borrowing solutions at competitive rates with the highest level of expertise, honesty and integrity.
    Information is subject to change without notice."