USDA and FHA Pro and Con in Kathleen, Polk County, FL
During 2026, 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 2026 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.
Since 1940 Seaboard Federal Credit Union has strived to meet the needs of its owners in providing a safe and sound financial alternative. All accounts are insured to at least $250, 000 by the National Credit Union Administration (NCUA), an agency of the federal government. We strive to keep costs low and profits are returned to our members.
People often say the only constant in life is change. But as a member of Changing Seasons Federal Credit Union, you’ve got another constant: us. We’re here to help you embrace whatever life brings your way, with the financial products you need, the ease of access and mobile technology you want, and the personal service you deserve.
Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range of financial services.
Maine Savings is federally insured by NCUA.
Maine Savings is an Equal Housing Lender.
Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range.
CUSO Home Lending is a licensed mortgage company owned by Maine credit unions. We have been originating and servicing mortgages since 1993. Our mission is to provide consumers—credit union members as well as non-members—with a full menu of competitively priced residential mortgage products with extraordinary courtesy and exceptional service.
Security State Bank was established in 1932 in rural South Dakota and has been building strong client relationships ever since. We first opened our doors in Tyndall, SD, and have since expanded to Chancellor, Viborg, and across the border to Jackson and Heron Lake, MN. As a local Midwest business.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Flatwater Bank has been pioneering banking since 1902. We are proud to be family-owned and work hard to offer our customers the very best in community banking. We want the communities we live and work in to be strong. We want a place where kids can return to work, where people can start and grow businesses, and neighbors reach out to lend a hand.
We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate.
Since 1910, Western Nebraska Bank has been known for the friendliness and personal relationships that characterize a rural community. Today our progressive leadership is looking ahead to the opportunities of the next hundred years as agriculture and banking technology develop locally and globally.
To our customers, we pledge performance excell
Located in Scotland, South Dakota, the Farmers and Merchants State Bank was chartered and began operations on September 7, 1920. Original organizers of the bank were Philip Engel, Alex Brown, C.D. Donley, Guy R. Brown, Joseph Stevenson, and H.N. Hess. The bank is located in its original location built in 1919 at 550 Main Street.
