USDA and FHA Pro and Con in Harbor-Bluffs, Pinellas County, FL

In 2025, the USDA loan limit in Harbor-Bluffs, situated in Pinellas, FL, is $0, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's competitive USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program available in for your unique financial situation.

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2025 Loan Limits and Down Payment Requirements in Harbor-Bluffs, Pinellas, FL

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

USDA and FHA Loan Options in Harbor-Bluffs, FL

The objective of Lendersa® is to connect you with the best possible USDA or FHA loan quickly and effortlessly. Choose from three starting points leading to matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in FL?

The USDA home loan, assured by the government's Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is accessible only in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans demand no down payment, offering eligible borrowers more affordable financing.

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



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