USDA Loan Vs. FHA loan pro & con Lakeland-Highlands, Polk County, FL

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 .

Options for USDA and FHA Loans in Lakeland-Highlands, FL

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.

Lendersa USDA loan request and matching results

What Exactly is a USDA Loan in FL?

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.

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(334) 598-4411 Lender's profile and map Reviews All In Credit Union 6631 Airport Blvd, Mobile, AL, 36608 At All In Credit Union, we pride ourselves on providing exceptional member service. For your security, please DO NOT provide account details or other personal information on our Facebook page or in a private Facebook message. If you need help with your account or have a concern, we want to help.
(404) 658-6465 Lender's profile and map Reviews Credit Union of Atlanta 670 Metropolitan Pkwy SW, Atlanta, GA, 30310 At Credit Union of Atlanta, we approach things a little bit differently than the average bank. That's because as a credit union, our focus is not on profits or personal gains. Instead, we pour our energy and any profits earned into securing better rates for our members. And as a member, you're not just any old customer.
(770) 558-3363 Lender's profile and map Reviews 770 Hard Cash 592 Lawton Street SW, Atlanta, GA, 30310 With more than 70 years experience behind us, 770 Hard Cash was founded in Atlanta, Georgia. Since inception, our success has been based on unique marketing strategies, competitive lending programs and our focus on 100% customer satisfaction.Our customers keep us as their preferred hard money lender
(470) 206-8655 Lender's profile and map Reviews Goldwater Home Loans Inc 1755 East Park Place Blvd, Stone Mountain, GA, 30087 Goldwater is an experienced mortgage brokerage in Atlanta, providing quality guidance and affordable loan options that meet every homebuyer’s needs. The key to our success has been a combination of consistently offering the lowest possible rates along with giving our clients outstanding customer service.
(770) 270-9044 Lender's profile and map Reviews First American Financial Mortgage Corp 7302 Wood Hollow Way, Stone Mountain, GA, 30087 We’re a full service mortgage lender with an exceptionally experienced staff offering expertise in every area of mortgage finance and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and cost-to meet your unique needs. But that’s just the beginning of our service.
(770) 330-9404 Lender's profile and map Reviews AHP Capital 755 Commerce Drive, Suite 803, Decatur, GA, 30030 AHP Capital Out of the depths of the recession of the mid 2000s and the largest loss of real estate value in US history David Dick and Jim Cantrell formed a new real estate company with a diversified approach to lending and investing. and also Their new company combined construction, property management, sales and lending.
(404) 329-6415 Lender's profile and map Reviews Emory Alliance Credit Union 1237 Clairmont Run, Decatur, GA, 30030 Emory Alliance Credit Union was chartered in 1968 to serve the employees of Emory University and Emory University Hospital. In the last 40 years, its field of membership has grown to include Emory University students and faculty, Emory Healthcare, Residents or Employees of DeKalb or Fulton County, Georgia, and other Emory-related organizations.
(404) 222-0456 Lender's profile and map Reviews CR Mortgage Solutions Inc 585 Grant Street South East, Atlanta, GA, 30312 CR Mortgage Solutions company is an experienced, independent and local mortgage broker in the Grant Park area, specializing in home loans and refinancing. We work with a variety of banks to find the best residential mortgage loan at the best rate, and we can help you every step of the way, all the way to closing on your new home
(803) 407-4470 Lender's profile and map Reviews Mr Mortgage LLC 325 George Sumner Drive, Columbia, SC, 29212 Mr. Mortgage a SC based Mortgage Brokerage firm is a small business that has become a major influence in the mortgage industry. This has been accomplished through the determination & loyalty that we have toward the financial success of all our customers. Brokerage firm is a small business that has become a major influence in the mortgage industry.
(803) 732-5787 Lender's profile and map Reviews MORTGAGE OPTIONS INC. 6140 St. Andrews Rd, Columbia, SC, 29212 The Mortgage Options Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of South Carolina. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team.
(251) 639-1460 Lender's profile and map Reviews Azalea City Mortgage Inc. 1120 Hillcrest Rd, Suite 2D, Mobile, AL, 36695 The Azalea City Mortgage Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
(404) 763-2728 Lender's profile and map Reviews APCU 3900 Crown Road, Atlanta, GA, 30380 APCU was chartered in 1925 as the state’s first not-for-profit financial institution. Like all credit unions, APCU is a member owned cooperative. As a non-profit organization, we return profits to our members in the form of better rates and fewer fees. Once a member, you’re always a member, even if you change employers, retire, or relocate.