USDA Loan Vs. FHA loan for Lakeland-Highlands, FL [Polk County ]

In 2025, 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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(608) 258-5062 Lender's profile and map Reviews St. Mary's & Affiliates Credit Union 700 South Park Street, Madison, WI, 53715 Our Mission Statement: "In the spirit of people helping people, we assist our members in achieving financial health." Our Vision Statement: To be a trusted primary financial institution offering products and services that meets the needs of our members for a lifetime. We are available to those living and/or working in Adams, Dane, Iowa, Juneau.
(888) 681-2299 Lender's profile and map Reviews Helping Hands Community Partners 421 Elmwood Ave., Providence, RI, 02907 Formed in 2012, Helping Hands has successfully been renovating neighborhoods and educating people about different homeownership options. We found a recurring problem for our clients – they needed better information about the purchase, refinance, and reverse mortgage loan process.
(401) 751-0800 Lender's profile and map Reviews First Home Mortgage Corporation 400 Reservoir Avenue, Suite 1G, Providence, RI, 02907 First Home Mortgage Corporation was founded in 1990 by Dave Waters, CEO. We grew from a handful of employees to a financial institution of 42 offices serving 21 states located in the mid-Atlantic, South and Northeast states. Our entrepreneurial management team, support staff, and industry leading producers.
(508) 679-0197 Lender's profile and map Reviews Westport Federal Credit Union 655 State Road, Westport, MA, 02790 In 1949, Antone Costa moved to the town of Westport. He enrolled in Business school and began to study Accounting, Cost Accounting, and Business Law for the next three years. Around that time he realized that Westport did not have a banking facility. Upon consulting the President of St. Mathieu’s Credit Union, he began to assemble a group.
(608) 266-4750 Lender's profile and map Reviews Madison Credit Union 949 E Washington Avenue, Madison, WI, 53703 Madison Credit Union was founded in 1936 to help members borrow money for pressing needs, such as medical bills. Loan terms were set according to the member's ability to repay. According to Jim Brophy, the first member to sign the credit union's charter, "It gave us the courage to go on." We are a small credit union with a big heart.
(608) 250-3535 Lender's profile and map Reviews Union Federal Savings & Loan 115 W Washington Ave, Madison, WI, 53703 Union Federal was once two different Associations with similar goals. Union Federal “Where People Are Important!” First Federal where customers were “First with us.” Both Associations have had long solid history before the boards of each Association found we could serve our customers best by coming together as one Association.
(608) 282-7000 Lender's profile and map Reviews Heartland Credit Union 5325 High Crossing Boulevard, Madison, WI, 53718 "Heartland Credit Union is a full-service, financial cooperative based in Madison, Wisconsin with more than 21, 000 member-owners. We serve southwest Wisconsin and eastern Iowa. We have locations in Madison, Verona, DeForest, Dodgeville, Platteville and Lancaster. Please visit our website for info on all our locations."
(413) 256-5500 Lender's profile and map Reviews UMassFive College Federal Credit Union 200 Westgate Center Dr, Hadley, MA, 01035 At UMassFive, we know that your success is our success. We are member-owned and member-run, which means a healthy local economy and a strong community is good for business—both ours and yours. As such, our Commercial Services division is designed to help your business grow and adapt with every evolving need, because when you win we all win.
(508) 586-7700 Lender's profile and map Reviews Stonegate Mortgage 10A Bridge Street, Suite 200, South Dartmouth, MA, 02748 Stonegate possesses the experience required to navigate consumers through the difficult process of obtaining a great mortgage loan, and their expertise has helped it to grow even at a time when many other companies were suffering during the Great Recession of 2007. Stonegate Was founded in 2003 by Thomas Quann.
(518) 768-7898 Lender's profile and map Reviews Capital Home Partners 800 Rt 146, Suite 320, Clifton Park, NY, 12065 Capital Home are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(518) 982-0480 Lender's profile and map Reviews The Mortgage Place Inc. 646 Plank Road, Suite 102, Clifton Park, NY, 12065 At The Mortgage Place, we recognize that buying or refinancing a home is a huge commitment. At our initial consultation, we will work together to determine your goals, needs and financial strategies. We will patiently describe the different mortgage programs in detail. Together we will decide on the best program and lender for your situation.
(608) 256-5665 Lender's profile and map Reviews Dane County Credit Union PO Box 7994, Madison, WI, 53707 Dane County Credit Union, or DCCU, founded in Madison with the principle that people come first and profits second. Like all credit unions, we are a not-for-profit financial cooperative owned and controlled by our members. At Dane County Credit Union, the leading credit union in Madison WI.