In 2026, the USDA loan limit in Lakeland-Highlands, within the county of Polk, FL, is $285,000, whereas for a single-family home, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today’s most favorable USDA versus FHA rates. It also helps in finding out the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to secure you the optimal USDA or FHA loan promptly and with ease. Choose one of the three starting options to align with lenders offering USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and commonly known as the USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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