USDA and FHA Pro and Con in Jan-Phyl-Village, Polk County, FL

In 2026, the USDA and FHA loan limits in Jan-Phyl-Village, Polk, FL are $285,000 and $356,362, respectively, for a single-family home.

Use the Lendersa® USDA loan calculator to compare current USDA and FHA rates. It helps determine income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, guiding you to the best program for your financial needs in .

Check loan offers from 100 lenders

2026 Loan Limits and Down Payment Needs in Jan-Phyl-Village, Polk, FL

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

USDA and FHA Loan Opportunities in Jan-Phyl-Village, FL

Lendersa® aims to quickly secure the best USDA or FHA loans for you. Choose from three starting points that connect you with lenders and USDA programs.

Lendersa USDA loan request and matching results

About USDA Loans in FL

The USDA home loan is a government-backed loan guaranteed by the Department of Agriculture. Known as a USDA Rural Development Loan, it's available only in rural areas and requires no down payment, unlike FHA loans requiring at least a 3.5% down payment.

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



  • Morehead Community Federal Credit Union
  • 503 West Main Street, Morehead, KY, 40351
  • At Morehead Community Federal Credit Union our members are owners, joined by the belief that we are investing in each other. We offer full-service banking with the goal to help members build a better financial future & we’ve been doing that since 1978

    Morehead Community Federal Credit Union is the premier credit union of the Rowan County commu

  • Frontier Housing, Inc.
  • 5445 Flemingsburg Rd, Morehead, KY, 40351
  • Frontier Housing was founded in 1974 by four churches, a holy cross brother, and a small group of volunteers led by our founder, Tom Carew. We were created to be a resource for eastern Kentuckians in need of housing opportunities. What began with a mission to repair or rebuild dilapidated, aged, and/or unsafe living conditions.

  • KUE Federal Credit Union
  • 1 Quality Street, Lexington, KY, 40507
  • KUE Federal Credit Union has been open since 1976. It's the 25th largest credit union in Kentucky with assets totaling $55.24 Million and providing banking services to more than 3,000 members.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.

  • Central Bank of Jefferson County
  • 300 West Vine Street, Lexington, KY, 40507
  • Central Bank traces its roots back to 1938, when the Southern Industrial Loan Company was founded. Soon after that, the name was changed to Central Exchange Bank. In 1946, Garvice D. Kincaid purchased Central Exchange Bank and shortened the name to Central Bank.

    We’ve grown significantly from our humble beginnings at the corner of Short

  • HSLC - Lexington Loan Production Office
  • 444 E Main St 106, Lexington, KY, 40507
  • We offer loan services in Lexington while providing mortgage industry expertise in their next purchase or refinance. Our loan services include residential and commercial loans. Whether you're looking to buy a new home or car, purchase commercial property, buy farmland or farm equipment, you can get started with The Home Savings and Loan Company.

  • Metro Employees Credit Union
  • 1306 Versailles Road, Suite 140, Lexington, KY, 40504
  • MECU was established in 1940 by city employees looking for a way to earn higher rates on savings and lower rates for loans.

    Today, MECU has grown into a full service credit union. Membership in MECU is open to employees of the City of Lexington, employees of accepted outside agencies of the City of Lexington, employees of the Credit Union.

  • Greater Kentucky Credit Union
  • 1001 Red Mile Rd, Lexington, KY, 40504
  • Since 1953, Greater Kentucky Credit Union has made being with a Credit Union easy and rewarding. While some credit unions have niche membership eligibility requirements, Greater Kentucky membership is open to anyone who lives, works, worships or attends school in any of the 24 counties in Kentucky or to any relative of an existing member.

  • De Witt Bank and Trust Company
  • 2nd And Jefferson Streets, De Witt, AR, 72042
  • Stone Bank understands the special needs of agricultural producers and rural homeowners. Our farm lenders are trained specialists with the training and expertise to understand all facets of poultry and cattle lending. We understand the complexities that can be associated with poultry and cattle loans, which is why we custom tailor agriculture loans

  • Central Kentucky Ag Credit
  • 640 S Broadway, Lexington, KY, 40508
  • Central Kentucky Agricultural Credit Association is an agricultural lending cooperative owned by its member‐borrowers. It provides farm loans for land, equipment, Livestock and production and rural home mortgages. Ag Credit serves the 17 counties of central Kentucky with seven branch locations. Ag Credit is part of the national Farm Credit System.

  • Jim Mischner
  • 644 North Broadway, Lexington, KY, 40508
  • Jim Mischner is a "private mortgage" lender. He loans his own money to real estate investors who either are purchasing non-owner occupied properties or are refinancing the non-owner occupied properties they already own. These properties include commercial, multi-family and all rental properties. Lending $20, 000 - $4, 000, 000 and CLOSE IN 10 DAYS!

  • Citizens Commerce
  • PO Box 1028, Versailles, KY, 40383
  • Citizens Commerce Bank in 1996. We expanded into Franklin County in 2007, Jessamine County in 2009 and Fayette County in 2018. As we have grown, we always remember one of our greatest strengths is our ability to do business with people we know and to make decisions locally. We believe in giving back to the communities we serve through sponsorships.

  • "Charleston Postal Federal Credit Union"
  • 1000 Centre Way, Room 3-47, Charleston, WV, 25309
  • Charleston Postal Federal Credit Union has been open since 1993. The credit union has assets totaling $4.65 Million and provides banking services to more than 800 members as of March 2022.

    The credit union is a not-for-profit, member-owned financial cooperative providing services to government employee members.