FHA Vs. USDA loan program for Memphis, Manatee County, Florida

In 2025, for Memphis within the county of Manatee, FL, the USDA loan limit is $400,000, while the FHA loan for a single-family home is capped at $506,000.

Use the Lendersa® USDA loan calculator to compare the best rates between today's USDA and FHA loans. Determine the necessary income, credit score, reserves, and documentation to qualify. With our advanced mortgage calculator, see USDA, FHA, VA, and Conforming loans side by side, enabling you to choose the best program for your financial situation in .

USDA and FHA Loan Options in Memphis, FL

Lendersa® aims to provide the optimal USDA or FHA loan quickly and smoothly. Choose from three pathways that connect you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as the USDA rural development loan. It is available only in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage does not need any down payment.

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(859) 367-1230 Lender's profile and map Reviews KUE Federal Credit Union 1 Quality Street, Lexington, KY, 40507 KUE Federal Credit Union has been open since 1976. It's the 25th largest credit union in Kentucky with assets totaling $55.24 Million and providing banking services to more than 3,000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
(859) 253-6013 Lender's profile and map Reviews Central Bank of Jefferson County 300 West Vine Street, Lexington, KY, 40507 Central Bank traces its roots back to 1938, when the Southern Industrial Loan Company was founded. Soon after that, the name was changed to Central Exchange Bank. In 1946, Garvice D. Kincaid purchased Central Exchange Bank and shortened the name to Central Bank. We’ve grown significantly from our humble beginnings at the corner of Short
(859) 440-1008 Lender's profile and map Reviews HSLC - Lexington Loan Production Office 444 E Main St 106, Lexington, KY, 40507 We offer loan services in Lexington while providing mortgage industry expertise in their next purchase or refinance. Our loan services include residential and commercial loans. Whether you're looking to buy a new home or car, purchase commercial property, buy farmland or farm equipment, you can get started with The Home Savings and Loan Company.
(270) 326-6100 Lender's profile and map Reviews Regional Medical Center EFCU 200 Clinic Drive, Madisonville, KY, 42431 RMC Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the RMC Employees Federal Credit Union will continue a sound yet progressive asset management strategy
(270) 821-5555 Lender's profile and map Reviews First United Bank and Trust Company 162 North Main Street, Madisonville, KY, 42431 First United Bank and Trust Company is a real community bank, formed in 1996 to fill a need for traditional, personal banking in the area. Today, even though we’ve grown, our roots remain in community banking. Our focus is to support the communities we serve with the best possible products and services.
(270) 875-4640 Lender's profile and map Reviews Franklin Financial Group 329 North Main Street, Madisonville, KY, 42431 Working together, we have a common focus – a personal interest in meeting all your investment, insurance, financial planning, and retirement needs as they change throughout your lifetime. When you are a client of Franklin Financial Group, our goal is treat you like one of the family.
(859) 253-3249 Lender's profile and map Reviews Central Kentucky Ag Credit 640 S Broadway, Lexington, KY, 40508 Central Kentucky Agricultural Credit Association is an agricultural lending cooperative owned by its member‐borrowers. It provides farm loans for land, equipment, Livestock and production and rural home mortgages. Ag Credit serves the 17 counties of central Kentucky with seven branch locations. Ag Credit is part of the national Farm Credit System.
(859) 806-1932 Lender's profile and map Reviews Jim Mischner 644 North Broadway, Lexington, KY, 40508 Jim Mischner is a "private mortgage" lender. He loans his own money to real estate investors who either are purchasing non-owner occupied properties or are refinancing the non-owner occupied properties they already own. These properties include commercial, multi-family and all rental properties. Lending $20, 000 - $4, 000, 000 and CLOSE IN 10 DAYS!
(270) 736-2212 Lender's profile and map Reviews The Sacramento Deposit Bank 335 Main Street, Sacramento, KY, 42372 The Sacramento Deposit Bank was given a first authorization on October 14, 1895 by and between J.T. Morehead, Wilson & Gabbert, Coffman Brazzell Company, J.R. Vickers, G. Quisenberry, Gish and Igleheart, Wm. Jagoe Sr, T.W. Whitmer, A.J. Milan, J.A. Shutt, G.W. Martin, all of McLean County, Kentucky
(270) 653-4001 Lender's profile and map Reviews Clinton Bank 220 East Clay Street, Clinton, KY, 42031 We are all about the family, and where do we spend our family time, in the home. The American Dream of owning your own home is alive and WELL at Clinton Bank.We provide fixed and variable rate products in maturities up to 30 years. We have products that we service ourselves and those we sell into the secondary market.
(800) 653-4301 Lender's profile and map Reviews First Community Bank of the Heartland, Inc. 114 E. Jackson Street, Clinton, KY, 42031 At First Community Bank, our roots run deep. Starting in 1936 as First National Bank in Clinton, KY, we formed strong ties to this small town along with many of the neighboring communities. The sound relationships that were formed in those early developmental years continue to be an important part of our success.