USDA and FHA Pro and Con in Memphis, Manatee County, FL

In 2024, USDA loan limit in Memphis, county of Manatee, FL is $400,000 while FHA limit is $506,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Memphis, county of Manatee, 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 options in Memphis, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Pacific Mountain Capital, LLC
  • 7575 East Redfield Road, Suite 225, Scottsdale, AZ, 85260
  • We are a wholesale mortgage lender, with only experienced home loan Professionals, located in Scottsdale, AZ Our combination of price, service and experience is truly unique. Because of our very efficient business model, we can charge less and provide our Clients with a much better deal as a result
  • GC GLOBAL CAPITAL, INC
  • 11600 N Miller Rd, Scottsdale, AZ, 85260
  • At GC Global Capital, INC, 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. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Valley Mortgage Financial, LLC
  • 14362 N Frank Lloyd Wright Blvd, Scottsdale, AZ, 85260
  • Our team at Valley Mortgage is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • FORMULA MORTGAGE CAPITAL CORPORATION
  • 16420 N. 92nd St, Suite 220, Scottsdale, AZ, 85260
  • The Formula Mortgage Capital Corporation team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically
  • WAIN CAPITAL LLC
  • 15721 North Greenway Hayden Loop, Suite 102, Scottsdale, AZ, 85260
  • Wain Capital is a Mortgage Brokerage, with extensive experience and licenses in Arizona, California and Colorado. As an independent mortgage broker we specialize exclusively in home loans but give more options and have more products than your traditional lenders. Constantly analyzing the mortgage bonds and treasury markets
  • INTENT MORTGAGE, LLC
  • 7590 E. Gray Rd, Suite 104, Scottsdale, AZ, 85260
  • Intent Mortgage stays ahead of the competition by leveraging modern technology to increase efficiency and ultimately, home buyer satisfaction. "Low Rate, Consumer First Mortgage Lending"​ isn't just our dual Mission Statement - it's a promise we make to our clients that we intend to keep.
  • NSB Mortgage
  • 14362 North Frank Lloyd Wright Blvd, Suite 1000, Scottsdale, AZ, 85260
  • At NSB Mortgage our mission is to ensure our clients receive the utmost attention to detail with regards to each of their individual needs. As a full service mortgage company we do not focus on costly overhead, but rather we feel strongly about our loan products and quality of service we provide, as well as, any recommendations from our clients.
  • LM2 Investment Group
  • 9160 East Bahia Drive, Suite 105, Scottsdale, AZ, 85260
  • "The LM2 Investment Group was founded by three investors with over 30 years of mortgage and real estate experience.We offer hard money, private loan funding for up to 2 years. We know not all transactions are alike and consider each transaction separately using an equity-based foundation."
  • Kenwood Mortgage Investments
  • 7950 East Redfield Road, Suite 110, Scottsdale, AZ, 85260
  • "Kenwood Mortgage Investments. We are a 26 year old family mortgage company that makes real estate loans that the banks or traditional lenders don’t do, or they don’t do fast enough. Think of Kenwood as a reliable source for $50,000 to $5,000,000 by Friday. Sometimes we really do work that fast, and we’ve been doing it for more than 26 years."
  • Del Mar Financial & Investments, L.L.C.
  • 14301 N 87th St, Scottsdale, AZ, 85260
  • Del Mar Financial & Investments, L.L.C is a private money mortgage lending company specializing in Arizona real estate. Also referred to as "hard money"​ lending, we offer creative lending solutions that fall outside the "box"​ of traditional bank and conventional lending sources. We are more expensive than a bank, however
  • Hard Money Lenders Arizona
  • 7621 E. Gray Road, Suite B2, Phoenix, AZ, 85260
  • Hard money lender arizona provide various loan options for short sales, fix and flips, residential owner or non-owner occupied properties, rehab loans, commercial loans, REO purchases, trustee sales, cash out refinances, business investment properties, construction or land loans and more.