For 2025, in Lutz, within the county of Hillsborough, FL, the USDA loan limit is $336,500. Meanwhile, the FHA loan limit for a single-family dwelling is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the top USDA against FHA rates currently available. Determine income, credit requirements, reserves, and documents needed for qualification. Thanks to our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, aiding in the decision of the ideal program in
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| Type of Loan | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to secure you the best USDA or FHA loan quickly and effortlessly. Select from three starting points that align lenders with USDA loan programs.
The USDA home loan, known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is designed for rural neighborhoods only. Where FHA loans mandate a minimum 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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