For the year 2026, the USDA loan cap for Hernando in Citrus county, FL, is set at $336,500. In comparison, the FHA loan limit for a single-family residence is $472,030.
To compare today's most favorable rates between USDA and FHA loans, use the Lendersa® USDA loan calculator. This tool will help identify the necessary income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator lets you review USDA, FHA, Conforming, and VA programs side-by-side to decide which option suits your financial requirements in best.
Loan Limits and Down Payment Needs for 2026 in Hernando, County of Citrus, FL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Hernando, FL
Lendersa® is committed to facilitating the best possible USDA or FHA loan for you efficiently and smoothly. Choose one of the three available beginnings that connect you with lenders and relevant USDA loan opportunities.
The USDA home loan, guaranteed by the government's Department of Agriculture and also known as the USDA rural development loan, is specifically available for rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not require any down payment, making it an attractive option for eligible applicants in rural areas.
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FREEDOM LENDING is an industry leader in mortgage lending because we deliver results. Our professionals provide excellent personal service, guaranteed lowest rates and a money management plan that’s tailored to your specific needs. Whether you’re in Iowa, Nebraska or right here in Omaha looking for an FHA mortgage, VA mortgage
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A great deal has changed since Exchange Bank was chartered in 1894. Most notably, technology is now a central part of people’s daily lives. Mobile banking, facial recognition software, and paperless payments are the new normal, allowing customers to accomplish tasks from virtually anywhere, at any time.
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Goodman Mortgage Corporation is a locally owned and operated Mortgage Brokerage with over 30 years mortgage and lending experience. We have a personal interest in the people and families in the Nebraska and Iowa area. It has always been and always will be our community, too!
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The Lincoln SDA Credit Union is organized to serve members of the Seventh-day Adventist Church, Students and Employees of Adventist Colleges, and Employees of Adventist Hospitals. As a faith-based financial institution owned and operated by our members, our purpose is to provide a competitively priced line of financial products and services.
