USDA Vs. FHA your options comparison in Lake-Magdalene, Hillsborough County, FL

For 2025, the USDA loan limit in Lake-Magdalene, county of Hillsborough, FL, is $285,000, while the FHA loan limit for a single-family residence is $356,362.

Try the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today and understand the income, credit score, reserves, and documentation needed for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side to determine which Alabama program suits your financial circumstances best.

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2025 Loan Limits and Down Payment Requirements in Lake-Magdalene, County of Hillsborough, 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 Options in Lake-Magdalene, FL

The mission at Lendersa® is to swiftly facilitate the best USDA or FHA loan for you without complications. Choose one of three initial steps to connect with lenders and discover suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is only available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down, no down payment is needed for USDA loans.

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



  • Team USA Mortgage
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  • "Team USA Mortgage is a national mortgage company offering retail mortgages and employment opportunities for qualified groups and individuals. Team USA Mortgage is committed to serving customers in all licensed states. Our core values of Honesty, Integrity, and Transparency flow from the corporate office
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  • First State Mortgage (FSM), a subsidiary of First State Bank, Member FDIC, was founded in 2007 by a group of veteran bankers who have been working together in the residential First State Mortgage industry for more than 20 years. Our goal is to provide a comprehensive range of mortgage products, competitive pricing, and high quality.
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  • First State Mortgage was founded in 2007 by a group of veteran bankers who have been working together in the residential mortgage services industry for more than 20 years. Our goal is to provide a comprehensive range of mortgage products, competitive pricing, and high quality, ethical mortgage services.
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  • American Heritage is a credit union, not a bank. Since we provide all of the same services and conveniences as a bank, take a closer look at what makes us different – and better! American Heritage will never be a faceless, business-first organization. We are a community of members. We live and work together. We are family.
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  • VIP Mortgage Inc. we consistently surpass customer expectations regarding our service and experience. We offer a complete array of mortgage loan products with Conventional, FHA and VA programs from a variety of investors. and we have Jumbo loans and other non-conforming mortgage loan services
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