USDA Vs. FHA Pro and Con comparison in Mulberry, Polk County, FL

In 2025, the USDA loan cap for Mulberry in Polk County, FL stands at $336,500. Meanwhile, for a single-family home, the FHA cap is $472,030.

Employ Lendersa®’s USDA loan calculator to contrast today's USDA with FHA top rates and evaluate the needed income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding in determining which program is best suited to your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Mulberry, Polk County, FL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loans in Mulberry, FL

The objective of Lendersa® is to secure the most advantageous USDA or FHA loan quickly and with minimal inconvenience. Choose from three entry points to connect with lenders and align with USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is designed for rural areas. It contrasts with FHA loans, as it requires no down payment, unlike the 3.5% minimum down payment required by FHA loans.

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



  • Peoples Bank of Altenburg
  • 8537 Main St, Altenburg, MO, 63732
  • Peoples Bank of Altenburg is here to provide the banking services you need. Serving the communities of Altenburg and Jackson, as well as the surrounding areas, we know the important role community banks play in making communities successful, and we take our role very seriously. We live and work in these communities, and provide the banking services
  • Liberty Savings Bank
  • 3435 Airborne Rd, Suite B, Wilmington, OH, 45177
  • Liberty Savings Bank, F.S.B., was founded in 1889 in Highland County, Ohio, when a group of businessmen pooled their funds to create the Lynchburg Building and Loan Association. The Association was formed to help meet the community’s demand for home ownership, and over the years several business mergers helped to strengthen this small, rural bank.
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  • Streber Mortgage believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction. We can place all types of mortgages including purchases, refinances and more
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  • 200 Spring St, Herndon, VA, 20170
  • Northwest Federal will be the lifetime financial partner for our member-owners. Our Mission is To create quality financial relationships for a lifetime by providing valuable financial products and service that exceed members’ expectations. Together, we serve and inspire to transform lives.
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