USDA and FHA Pro and Con 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?



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  • SecurityNational Mortgage Company
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