USDA and FHA Pro and Con in Kathleen, Polk County, FL
During 2025, the USDA loan cap in Kathleen, which is in the county of Polk, FL, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to assess the premier USDA versus FHA rates available today, and figure out essential requirements such as income, credit score, reserves, and documentation needed to qualify. Our sophisticated mortgage calculator lays out USDA, FHA, Conforming, and VA options side-by-side, facilitating your decision-making on the best plan for your financial circumstances in Alabama.
Details on 2025 loan limits and down payment requirements in Kathleen, County of Polk, FL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Choice of USDA and FHA Loans in Kathleen, FL
The aim of Lendersa® is to swiftly secure the most favorable USDA or FHA loan with minimal hassle. You can begin at any of three starting points designed to match you with lenders and the USDA loan options.
A USDA home loan, also known as a USDA Rural Development Loan or USDA mortgage, is a government-backed loan guaranteed by the Department of Agriculture. It is exclusive to rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires no down payment whatsoever.
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