USDA Vs. FHA Pro and Con comparison in Moon-Lake, Pasco County, FL

In 2025, the USDA loan limit in Moon-Lake, Pasco County, FL is $285,000, while for a single-family home, the FHA limit is $356,362.

Use the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, determining the income, credit score, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program for your financial situation in Alabama.

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2025 Loan Limits and Down Payment Criteria in Moon-Lake, Pasco, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Loan Options: USDA and FHA in Moon-Lake, FL

The aim of Lendersa® is to quickly secure the best USDA or FHA loans without complication. Start with one of three pathways to find matching lenders and different USDA loan options.

Lendersa USDA loan request and matching results

What is a USDA Loan in FL?

A USDA home loan, supported by the Department of Agriculture, known as a USDA rural development loan or mortgage, is only available in rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans need no down payment, offering an advantage for qualifying buyers.

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



  • Vellum Mortgage
  • 12700 Fair Lakes Circle, Suite 400, Fairfax, VA, 22033
  • Vellum Mortgage was created to elevate the entire mortgage experience, not only for our clients but for our employees and business partners. Therefore, our mission is to provide unparalleled transparency in the loan process, along with a lasting commitment to quality and integrity as indicated by the principles of the name we’re founded on.
  • Houston Federal Credit Union
  • 16320 Kensington Dr, Sugar Land, TX, 77479
  • The Mission of Houston Federal Credit Union is to “Be our members’ advocate by helping them achieve their dreams with personalized financial solutions”. Our Mission Statement was adopted in February 2007. Originally chartered as Fluor Mid-Continent Employees Federal Credit Union, HFCU now has the strength of over $700 million in assets.
  • Point Capital Services
  • 800 Bonaventure Way, Suite 159, Sugar Land, TX, 77479
  • We are a premier financial company providing mortgage related products for residential needs in Texas at competitive prices. Our SBA 7a partners enable us to close more business & commercial transactions with lower fees. The mission is to empower our clients by educating them on rates, pricing, & costs so they can make the best financial decision.
  • Fig Loans
  • 2245 Texas Drive, Suite 300, Sugar Land, TX, 77479
  • Fig Loans help Americans solve urgent cash needs while building their credit at the same time. We care about getting you funds quickly, and providing the best personal loan experience and also payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate.
  • Pioneer Finance
  • 13310 University Boulevard, Sugar Land, TX, 77479
  • Pioneer Finance is a direct private lender that helps investors get financing through loans. Over 50 years of collective experience has awarded Pioneer with the right combination of industry knowledge & financial strength to help investors get the funding they need. We offer a variety of loan products and flexible loan terms.
  • Sims Mortgage Team
  • 2245 Texas Drive, Suite 300, Sugar Land, TX, 77479
  • Sims Mortgage Team is a completely independent loan brokerage and advisory service. We’re a Texas and soon to be a California based mortgage brokerage. We also know that given our advice and guidance to help you become a better borrower, if we don’t earn your business today, we know we’ll most certainly earn your respect and referrals tomorrow.
  • Acacia Mortgage Finance Group Inc
  • 4619 St. Michaels Court, Sugar Land, TX, 77479
  • Acacia Mortgage Finance Group is your premier mortgage broker and funding source for your residential mortgage need. Whether you plan to purchase or refinance our knowledgeable loan officers are ready to help you realize or maintain your dream of homeownership. We specialize in Conventional and FHA financing for purchases, refinance and investment.
  • Home4U Mortgage
  • 16754 Southwest Fwy, Suite B, Sugar Land, TX, 77479
  • Home4U Mortgage We truly understand that the home loan process can be tedious. Don't worry – our mortgage loan advisors carefully walk all our home buyers through the required paperwork and provide answers to the questions the home mortgage process can create. Our commitment to you is that we will make the process of getting your Home Mortgage Loan
  • Home Trust Financing, LLC
  • 2245 Texas Dr, Suite 300, Sugar Land, TX, 77479
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  • CHAMPIONS MORTGAGE
  • 16525 Lexington Blvd, Suite 200, Sugar Land, TX, 77479
  • Founded on the principles of honesty, integrity, and transparency, Champions Mortgage provides a stress-free mortgage experience for all our clients through dedication, education, and commitment. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • Montgomery Mortgage Texas
  • 11230 FM 830 Rd, Willis, TX, 77318
  • Established in 1998, Montgomery Mortgage is a Texas-based mortgage company located in Willis, TX, just north of Houston, Conroe and The Woodlands. Our goal is to simply offer the very best terms accompanied by extraordinary customer service. We maintain an A+ exemplary rating with the Better Business Bureau
  • Your Mortgage Genie LLC
  • 13205 Sunfield Terrace, Fort Washington, MD, 20744
  • We are a full-service mortgage company for first-time homebuyers servicing MD, Washington DC, VA, and FL. We specialize in Residential Real Estate Loans with options to UNLOCK YOUR DREAMS.What makes Your Mortgage Genie unique is we strive to meet individual goals by offering customized products and investment tools to service your individual goal