USDA Vs. FHA Pro and Con comparison in Inverness-Highlands-South, Citrus County, FL
For 2026, in Inverness-Highlands-South, located in Citrus, FL, the USDA loan ceiling is $285,000, while the FHA limit for a single-family residence is $356,362.
Employ the Lendersa® USDA loan calculator to evaluate the best available USDA versus FHA rates today. Assess the required income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the optimal program for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in Inverness-Highlands-South, Citrus, 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 Opportunities in Inverness-Highlands-South, FL
Lendersa® is committed to getting you the optimal USDA or FHA loan swiftly and without hassle. Start with one of three options that connect you with suitable lenders and USDA loan programs.
A USDA home loan, endorsed by the U.S. Department of Agriculture, is also termed a USDA rural development loan or mortgage, and is available only in rural areas. Whereas FHA loans require at least a 3.5% down payment, USDA loans do not require any down payment.
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