USDA Vs. FHA Pro and Con comparison in Lutz, Hillsborough County, FL
For 2026, 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 for your financial situation.
2026 Loan Limits and Downpayment Requirements in Lutz, Hillsborough County, FL
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Programs in Lutz, FL
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.
18952 N Dale Mabry Hwy, Suite 101, Lutz, FL, 33548
Lends in Florida
Our mission is to serve our customers with honesty, integrity and competence.Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
17734 Hunting Bow Circle Suite 102, Lutz, FL, 33548
Lends in Florida
SunPoint Home Loans, we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. and help you obtain the best loan possible. We represent a wide range of “A” rated lenders with first quality rates to private portfolio lenders with expanded underwriting guidelines to help.
Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. We will help you qualify, apply and be approved for the right mortgage loan for you.
17717 Hunting Bow Circle, Suite 101, Lutz, FL, 33558
Lends in Florida
"All Florida Home Loans offers a wide range of mortgage options to meet your financial needs. Whether you’re a first-time home buyer, a seasoned investor, interested in cashing out equity, or venturing into a commercial property, we're here to guide you all the way - drama free."
Innovative Mortgage our goal is to offer you unparalleled service and extremely competitive Florida mortgage rates in minutes. Our wide selection of loan products help us provide the perfect mortgage to fit for your specific Florida home buying or refinance needs. Our mission is to serve our customers with honesty, integrity and competence.
At American Fidelity, we offer exceptional home loans options, large and small business loans, HARP programs and private lending.We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.
Tampa Postal Federal Credit Union was founded by a group of USPS employees shortly after the Great Depression in 1941. Their goal was to create a financial institution where members and their financial dreams, not profits, were the focus.Today, Tampa Postal FCU continues this mission by providing a full range of financial services.
First Citrus Bank is the #1 community bank in Florida and top 100 nationwide (American Banker, 2021), supporting local businesses, families and individuals to help them become financially secure and economically successful over the course of 22 years. First Citrus Bank was established in 1999 and is headquartered in Tampa.
14502 North Dale Mabry Highway, Suite 200, Tampa, FL, 33618
Lends in Florida
Home Mortgage Lenders, Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available.
