In 2026, the USDA loan limit for Laurel, situated in the county of Sarasota, FL, is set at $400,000. The FHA limit for a single-family home is $506,000.
Leverage the Lendersa® USDA loan calculator to compare today’s best rates for USDA versus FHA loans, and understand the needed income, credit, reserves, and documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you determine which program in suits your financial situation best.
2026 Loan Limits and Down Payment Requirements in Laurel, County of Sarasota, FL
Loan Type
Loan Limit
Down Payment
USDA
$400,000
0%
FHA
$506,000
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Alternatives in Laurel, FL
The mission of Lendersa® is to deliver the best possible USDA or FHA loan swiftly and effortlessly. Start with one of three pathways that pair you with lenders and USDA loan programs.
The USDA home loan, supported by the government via the Department of Agriculture, is also known as the USDA rural development loan or mortgage. It is accessible exclusively in rural neighborhoods. FHA loans typically require a minimum down payment of 3.5%, whereas USDA mortgages require no down payment.
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Muskegon Co-op FCU is a full service financial institution offering loans, CDs, interest checking with identity theft, money market accounts and more.
MUSKEGON CO-OP FEDERAL CREDIT UNION is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #FSVCE1DJHJT7.
West Michigan Postal Service Federal Credit Union was chartered in May 29, 1952, by 8 visionary postal employees, for the purpose of saving themselves, co-workers and their families' money. As a member-owned financial institution, West Michigan Postal Service Federal Credit Union is dedicated to serving only the interests of our members.
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Skyward Credit Union was chartered on July 16, 1941, as a not-for-profit corporation under Kansas State law, to accept savings and make loans for those who qualify for membership.
Credit unions are regulated by the Kansas State Department of Credit Unions and the National Credit Union Association (NCUA).
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