USDA Vs. FHA Pro and Con comparison in Madeira-Beach, Pinellas County, FL
In 2026, the USDA loan cap in Madeira-Beach, located in Pinellas County, FL, is $0, while the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loan options to assist in choosing the best program for your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in Madeira-Beach, Pinellas, FL
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Madeira-Beach, FL
At Lendersa®, our aim is to promptly and smoothly get you the best USDA or FHA loans. Choose from three starting pathways to connect with potential lenders and access USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and often referred to as a USDA rural development loan or mortgage, is available solely in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans offer zero down payment options, making them appealing for eligible borrowers.
HomeTown Bank has been providing customers with the most innovative financial services & solutions. HomeTown Bank is proud to give back to the communities we serve through donations,volunteering, partnerships & ongoing support. As a community bank, HomeTown Bank Strives to personally get to know customers,build strong relationships they can trust.
Founded in 1943, Highland Bank is a privately-held, business-focused bank, serving small business and individual customers throughout the Twin Cities metro area. Through on-line channels, Highland offers services to individual customers outside of the Twin Cities. Our specialty is small business lending, with emphasis in real estate lending.
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First National Bank is a genuine Maine community bank deeply committed to serving individuals, families, and businesses throughout our region. We're proud of our unique culture of respect, intended to make all our customers feel valued.
Operating in seventeen branch offices from Wiscasset to Calais we go all out to find ways to meet your needs
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Citizens Bank and Trust, your hometown bank since 1886. We are proud to provide personal banking, commercial banking, agricultural banking, and mortgage lending to Hutchinson and the surrounding area. As one of the few remaining independent banks, we can provide you with fast and flexible service that is unmatched by others.
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Baraga County Federal Credit Union has been open since 1952. The credit union has assets totaling $55.92 Million and provides banking services to more than 4, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
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