USDA and FHA Pro and Con in Kissimmee, Osceola County, FL

In the year 2025, the USDA loan limit for Kissimmee in Osceola county, FL, is established at $336,500, whereas for a single-family home, the FHA limit is $472,030.

Leverage the Lendersa® USDA loan calculator to evaluate current top USDA versus FHA rates, while determining the necessary income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, you'll get a side-by-side view of USDA, FHA, Conforming, and VA options, helping you choose the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Kissimmee, Osceola County, FL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Kissimmee, FL

At Lendersa®, we aim to swiftly match you with the most advantageous USDA or FHA loan without hassle. Opt for one of three pathways to connect with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in FL

The USDA home loan is a government-backed mortgage provided through the Department of Agriculture, known also as the USDA rural development loan. It is intended specifically for rural communities. Unlike FHA loans that mandate a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



  • First Home Corporation
  • 5220 South West 64th Avenue, Davie, FL, 33314
  • 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.
  • Power Financial Credit Union
  • 2020 NW 150th Ave, Suite 100, Pembroke Pines, FL, 33028
  • Power Financial Credit Union is committed to helping guide its members to better financial lives today and for generations to come. Power Financial Credit Union helps members achieve financial freedom by combining free financial education resources with a superior experience, and personalized banking solutions.
  • KMS Business Loans
  • 1931 NW 150 Ave, Suite 226, Pembroke Pines, FL, 33028
  • KMS Business Loans is composed of a group of highly experienced and seasoned, certified, financial professionals. With our knowledge and expertise, we can usually find a solution for all your financing needs. Unlike a bank, or local lending institution, which only lend to the most credit-worthy businesses, KMS Business Loans,
  • Acosta Home Loans Team
  • 2000 NW 150th Ave, Pembroke Pines, FL, 33028
  • Acosta Home Loans specializes in making the home buying / refinancing process simple. Although qualifying can be confusing and demanding, we make it easy through an upfront consultation and clear communication. and Andrew Joseph Acosta covering FHA, VA, USDA, and Conventional loans in South Florida. During my years of experience.
  • USA Funding Mortgage Group Inc
  • 1961 Northwest 150th Avenue, Suite 205, Pembroke Pines, FL, 33028
  • USA Funding Mortgage Group, Inc., located in Pembroke Pines, Florida, was established in 2006 and specializes in the real estate market and financing at the residential and commercial level. Our management team has over fifty years of combined mortgage industry experience and has partnered with licensed independent loan
  • Greenhome Mortgage Group LLC
  • 1806 North Flamingo Road, Suite 435, Pembroke Pines, FL, 33028
  • Our Mission is to create lasting memories of achievement and strategies for wealth building with the sole intent of leaving a legacy for our families and yours. Our team has DECADES of experience in Loan Originating, Mortgage Processing, and Underwriting which gives us a unique understanding
  • Florida Choice Mortgage Corp
  • 2250 Northwest 136th Avenue, Suite 100B, Pembroke Pines, FL, 33028
  • At Florida Choice Mortgage Corp., we are committed to communicating with our clients in a professional manner and protecting your confidential information. We use the information you provide (e.g. name, address, phone number, email, etc.) to contact you to share information about our products/services.
  • United Mortgage of Florida LLC
  • 18503 Pines Blvd, Suite 310, Pembroke Pines, FL, 33029
  • We take the extra time to educate you first, guided by the principles of transparency, accuracy, and responsiveness; using technology to leverage communication, documentation, and workflows; and supported by the top lending partners in the industry. Our team is composed of real estate experts who will work with your realtor to help you
  • Life Capital Lending Group, Inc.
  • 2020 SW 36th Terracce, Ft. Lauderdale, FL, 33312
  • Life Capital Lending Group, Inc. is a premier lending powerhouse. Committed to meeting every investor's needs, they specialize in portfolio loans that cater to diverse requirements, including conventional, DSCR, and profit-based solutions. With expert financial insight and personalized service, Life Capital Lending Group ensures each client's growt