USDA VS FHA in Keystone, Hillsborough County, FL

In the year 2025, the USDA loan cap in Keystone, located in Hillsborough county, FL, is set at $336,500. In contrast, the FHA loan ceiling for a single-family dwelling is $472,030.

Employ the Lendersa® USDA loan calculator for a current comparison between USDA and FHA prime rates. This will aid in identifying necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA options alongside each other, assisting you in choosing the right program for your financial scenario in .

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2025 Loan Thresholds & Down Payment Criteria in Keystone, Hillsborough County, FL

Type of Loan Maximum Loan Downpayment
USDA $336,500 0%
FHA $472,030 3.5%
Conforming Conventional $726,200 3%

USDA and FHA Loan Selections in Keystone, FL

Lendersa® is committed to securing you the finest USDA or FHA financing swiftly and without complications. Choose one of three initial steps to connect with lenders and suitable USDA loan plans.

Lendersa USDA Loan Request Matching

Understanding USDA Loans in FL

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development or mortgage loan, is available exclusively in rural areas. Unlike FHA loans that demand at least a 3.5% down payment, the USDA mortgage requires none.

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



  • First Southeast Mortgage Corporation
  • 3837 Hollywood Blvd, Suite A, Hollywood, FL, 33021
  • "We offer some of the lowest rates and fees in the industry. We can almost always offer lower rates than a retail bank or other mortgage companies. We work with multiple lenders to offer you the best possible rates and programs. We represent YOU, not the lender. We’re available when and where YOU need us, evenings and weekends included."
  • Prospera Mortgage LLC
  • 4000 Hollywood Blvd, Suite 555-S, Hollywood, FL, 33021
  • With Prospera Mortgage you may be able to lower your monthly payment, switch from an adjustable rate to a stable, fixed-rate loan, or access home equity for cash or pay for home improvements or large purchases.We offer a variety of affordable loan options, highly competitive interest rates and an easy online application process.
  • Florida Mortgage Lenders
  • 3440 Hollywood Blvd Suite 415, Hollywood, FL, 33021
  • florida-mortgage-lenders.com team is dedicated to providing our clients with the highest quality financial services, combined with the lowest rates available. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs.
  • JetStream Federal Credit Union
  • 15420 NW 77 Court, Miami Lakes, FL, 33016
  • JetStream Federal Credit Union has provided quality financial services to its members, earning a reputation of excellence and achievement. JetStream Federal Credit Union; a low income designated credit union with 75% of our members in Miami Dade County and Puerto Rico residing in low income zip codes.
  • BankUnited
  • 14817 Oak Lane, Miami Lakes, FL, 33016
  • BankUnited, Inc., with total consolidated assets of $35.8 billion at December 31, 2021, is a bank holding company with one wholly owned subsidiary, BankUnited. BankUnited, a national banking association headquartered in Miami Lakes, Florida, provides a full range of banking services to individual.
  • LTR Capital Partners
  • 2300 West 84th Street, Suite 404, Hialeah, FL, 33016
  • 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.
  • Dark Horse Home Loans LLC
  • 14054 Northwest 82nd Avenue, Suite B, Miami Lakes, FL, 33016
  • We are a real estate solutions and investment firm that specializes in helping property owners get rid of burdensome real estate fast. We are investors and problem solvers who can buy your property fast with a fair all cash offer. We will give you a free, as-is, no-obligation cash offer for your property within 24 hours.
  • Elite Lending LLC
  • 14750 Northwest 77th Court, Suite 205, Miami Lakes, FL, 33016
  • At Elite Lending, we pride ourselves on being innovative, efficient, and accountable. Our goal is to provide our clients with the most efficient and stress-free loan process experience. We achieve this goal through our knowledgeable staff combined with our innovative technology. Throughout the process,
  • MoneyOne Corporation
  • 7900 Oak Lane, Suite 400, Hialeah, FL, 33016
  • "Directly involved in the Real Estate and Financial industry, in 1996 Mr. Martinez founded MoneyOne Mortgage which during the mid 2000 and licensed in 5 Stated the company’s funding yearly volume rose to over $70 million with 13 MoneyOne Realty franchise offices. In the early days, shortly after College, Frank started his own Advertising"