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.
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.
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.
Penpoint Mortgage believes in doing what is in the best interest of the client at all times. That means listening carefully to the client to ascertain what they want and need. It also means educating the client throughout the entire process so that an informed decision can be made.
At Ridge View Mortgage, 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.
We constantly work on delivering the best loan services to our clients. Our team will walk you through every step of the loan application and approval process – from answering questions, to closing your loan quickly. We have satisfied clients all over Central Florida and one of the fastest closing rates offered by any mortgage company.
American Liberty Mortgage - Polk County - Winter Haven, FL
223 7th Street Southwest, Winter Haven, FL, 33880
Lends in Florida
American Liberty Mortgage, Inc. provides home loans, mortgage rates & mortgage refinance programs. | All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures.
First Mortgage Corporation of Winter Haven is a licensed mortgage lender in the State of Florida. We make and service loans for qualified individuals. We're a family run business; we understand the importance of investment in community. In these difficult times, its comforting to know there is someone who cares on the other end of the phone.
290 Cypress Gardens Blvd SE, Winter Haven, FL, 33880
Lends in Florida
In 2005, two Floridian real estate & development families, recognized signs of a housing catastrophe, through the over-inflated home values, which was caused by risky mortgage products and lax lending standards.In 2006, Vertical Lending was founded, as a licensed mortgage lender, to provide a higher lending standard.
215 Celebration Place, Suite 520, Celebration, FL, 34747
Lends in Florida
At American Residential Mortgage we offer a variety of loan programs that can help you achieve your goals whether you are looking to buy, build, or refinance your home. This gives us the advantage of being able to provide a great rate and a program that fits each of our clients individual requirements.
As your full-service mortgage brokerage company, Sunland Capital Mortgage Corporation works one-on-one with you to get your borrowers' loans approved and closed on-time. Sunland Capital Mortgage Corporation is a mortgage brokerage with ultra-competitive rates and in-depth knowledge of the regional mortgage scene.
Simons & Leoni Home Loans, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
