USDA and FHA Pro and Con in Lake-Sarasota, Sarasota County, FL

In 2024, USDA loan limit in Lake-Sarasota, county of Sarasota, FL is $338,500 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Lake-Sarasota, county of Sarasota, FL

Loan Type Loan Limit Down payment
USDA $338,500 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Lake-Sarasota, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • FIRST CHOICE MORTGAGE SERVICES, LLC
  • 139 Main Street, Suite 615, Brattleboro, VT, 05301
  • First Choice Mortgage Services is a privately-owned, full-service mortgage broker offering Conventional, FHA, VA, Investor and Jumbo loans to finance the purchase of your first home, vacation home, condominium, or investment property. The key to our success has been a combination of consistently offering the lowest possible rates.
  • Norwood Bank
  • 11 Central Street, Norwood, MA, 02062
  • Norwood Bank is a community bank established in 1889 for the purpose of homeownership. Today our assets total more than $676 million dollars and our message remains the same. We are committed to the financial needs of our community. We specialize in consumer banking, residential mortgage lending, and construction and commercial real estate lending.
  • Lighthouse Funding Group
  • 661 Washington Street, Suite 209, Norwood, MA, 02062
  • Lighthouse Funding have been in business for over 15 years providing people with quality service and loans that fit their needs. Our team consists of knowledgeable loan consultants and originators that go above and beyond to make sure their clients have a smooth loan process. There are many advantages to working with our company.
  • Oshkosh Postal Employees Credit Union
  • 1012 W 20th Avenue, Oshkosh, WI, 54902
  • The Oshkosh Postal Employees Credit Union was incorporated on February 25, 1930 with 7 letter carriers who worked at the Post Office in Oshkosh, Wisconsin. In April of 1973, the By-Laws were changed to include employees of the associate offices (549 Zip Code Area) and their families as well as the employees of the Credit Union and their families
  • Health Care Credit Union
  • 429 N Sawyer Street, Oshkosh, WI, 54902
  • Health Care Credit Union was incorporated in 1960 as the Mercy Hospital Credit Union. That common bond has grown over the years to include all workers in any area of health care or related fields that live in or work in Winnebago County, Wisconsin. In addition, HCCU serves the employees
  • The Mortgage Pros
  • 2 Vernon St., Framingham, MA, 01701
  • our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • OnTo Mortgage
  • 405 Cochituate Road, Suite 204, Framingham, MA, 01701
  • OnTo Mortgage is headquartered in Massachusetts and was started by by two top loan originators with over 30 years of experience. Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing.
  • Collins State Bank
  • 20741 CTH JJ, Collins, WI, 54207
  • Our Mission, “Big enough to serve you, small enough to know you, ” is more than a statement for our team. We like to use the term family, because we live in these communities and our customers are a part of our family. We owe all of our success to the communities we serve each and every day.
  • Denver Savings Bank
  • 121 South State Street, Denver, IA, 50622
  • Denver Savings Bank remained a family-owned bank until 1999 when Paul and Robert Buenneke sold the bank to PSB Corporation, a bank holding company that also owns Peoples Savings Bank of Wellsburg. Dennis R. Brandt became the new bank president his experienced rapid growth, shooting from assets of twenty-eight million at the time of the sale