USDA Vs. FHA your options comparison in Lakeland-Highlands, Polk County, FL

In 2024, USDA loan limit in Lakeland-Highlands, county of Polk, FL is $285,000 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 Lakeland-Highlands, county of Polk, 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 Lakeland-Highlands, 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?



  • Connections credit union
  • 1150 North 8th Avenue, Pocatello, ID, 83201
  • Connections Credit Union is open to most persons, along with family members who live and work in Ada, Bannock, Bingham, Bonneville, Canyon, Cassia, Jefferson, Jerome, Lincoln, Minidoka, and Twin Falls counties. Membership also extends to businesses and other legal entities operating in those counties.
  • Advantage Plus Federal Credit Union
  • 2133 E Center St, Pocatello, ID, 83201
  • We are a locally owned and operated credit union serving the communities in the Southeastern Idaho area. Since first opening our doors in 1953, Advantage Plus FCU has always been a credit union with 100% focus on the betterment of our member base. That means that all product, supplemental resources.
  • Moapa Valley Mortgage
  • 280 N Moapa Valley Blvd, Suite A, Overton, NV, 89040
  • We are a family owned & operated mortgage business originating out of Moapa Valley. We pride ourselves in working hard to provide our clients with the most diverse loan programs & lowest interest rates the market has to offer. From financing for jumbo loans & manufactured land to USDA Rural Development loans, FHA, VA and Conventional loan.
  • Idaho Farm Bureau Financial Services
  • 275 Tierra Vista Drive, Pocatello, ID, 83205
  • The Company deals primarily with Idaho Farm Bureau Federation members and the Federation’s affiliated organizations. It finances premiums for several lines of insurance, and provides loans secured by motor vehicles, mobile homes, home equity, and other areas of finance approved by the Board of Directors.
  • Rails West Federal Credit Union
  • 4708 N Yellowstone Avenue, Chubbuck, ID, 83202
  • The Rails West Federal Credit Union has been serving members since 1935. We are a non-profit financial institution, owned and controlled by our members. Our Mission is to serve the personal financial needs of our members efficiently and vigorously. Our Vision is to become the primary financial institution for the entire credit union
  • The Mortgage Specialists
  • 770 East Chubbuck Road, Pocatello, ID, 83202
  • "The Mortgage Specialists is an industry-leading mortgage brokerage firm in Idaho with one goal in mind: to get you the best mortgage possible. From beginning to end, our team of highly qualified mortgage brokers will simplify the process for you. We have established connections with several noteworthy lenders in the country,
  • Idaho Central Credit Union
  • 4400 Central Way, Chubbuck, ID, 83202
  • At first glance, one might think that Idaho Central Credit Union is like any other financial institution. However, many Idahoans like you know better. Idaho Central is the premier credit union in Idaho and offers full-service locations throughout the Treasure Valley, Magic Valley, Eastern Idaho.
  • Nexus Mortgage Lending
  • 550 W. Sunnyside Road, Suite 11, Idaho Falls, ID, 83402
  • At Nexus Mortgage Lending, we believe that it is our responsibility to be the connection between our clients and their goals of homeownership. It is our goal to educate our clients, provide them with financing options to meet their individual needs, and link them with world-class lending institutions.
  • Copper River Funding
  • 1070 River Walk Dr, Suite 258, Idaho Falls, ID, 83402
  • Copper River Funding offers individuals convenient access to the rewarding opportunities available through private commercial real estate bridge lending. Our disciplined and risk-controlled strategy is designed to help you protect your capital and generate high current income. The members of the CRF management team have amassed over 40 years
  • Trust Alliance Capital
  • 2225 W. Broadway St, Suite J, Idaho Falls, ID, 83402
  • Trust Alliance Capital has been serving commercial customers' financing needs for over 15 years. Currently holding an A+ rating with the Better Business Bureau. Our expertise in commercial equipment financing, SBA/USDA loans, and commercial real estate will help you move forward in your business
  • Boulder Dam Credit Union
  • 530 Avenue G, Boulder City, NV, 89006
  • Since this Credit Union's organization in 1940, we have strived to provide a financial institution where your needs could be met and your financial security attained. You are the only reason we exist. As an owner, you will benefit directly from every dollar the Credit Union earns.
  • Preferred Mortgage
  • 2066 Stadium Drive, Suite 202, Bozeman, MT, 59715
  • Here at A Preferred Mortgage Team we are all dedicated Montanans. We love the beauty and exceptional outdoor opportunities that wait just minutes away. This is why we live here and this is why A Preferred Mortgage Team was founded in 2000. Whether you are buying or refinancing your home, you should be able to afford a home in this beautiful st