FHA Vs. USDA loan program for New-Port-Richey, Pasco County, Florida

In 2026, the USDA loan limit for New-Port-Richey in Pasco county, FL, is set at $285,000, whereas the FHA loan limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate today's USDA vs. FHA rates, identify required income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side to determine which program in fits your financial needs best.

USDA and FHA Loan Options in New-Port-Richey, FL

At Lendersa®, we strive to promptly secure the optimal USDA or FHA loan for you with minimal hassle. Choose one of the three starting points to find matched lenders and suitable USDA loan programs.

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Understanding USDA Loans in FL

A USDA home loan is government-backed by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans do not require any down payment.

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850-222-6609 Lender's profile and map Reviews Tallahassee Lender's Consortium 224 Office Plaza Drive, Tallahassee, FL, 32301 The Consortium provides information and education regarding credit counseling and the process of purchasing a home to low income and very low income families. In addition, the Consortium administers the City of Tallahassee's Down Payment Assistance Programs and assists local lenders.
(229) 244-0164 Lender's profile and map Reviews First Federal Savings and Loan Association of Valdosta 411 N Patterson St, Valdosta, GA, 31601 First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.
(229) 247-9930 Lender's profile and map Reviews Valdosta Teachers' Federal Credit Union 102 E. Force Street, Valdosta, GA, 31601 The Valdosta Teachers' Federal Credit Union was organized in 1958. The first Board of Directors were: Fredeva Ogletree, President; A.W. Basemore, Vice-President; Nan Allen, Treasurer; Walter Harrison, Secretary. Other Directors included: Ms. Willie Dewberry, Hadley McDuffie and Clara Stipe.
(229) 244-4513 Lender's profile and map Reviews Locoga Federal Credit Union 1592 Norman Dr, Valdosta, GA, 31601 Locoga Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder - or an owner - of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
(229) 253-1111 Lender's profile and map Reviews Georgia Power Valdosta Federal Credit Union 1707 Dow St, Valdosta, GA, 31601 Georgia Power Valdosta Federal Credit Union was granted a federal charter in March 1958 to serve the financial needs of the Georgia Power Company employees and their families across the southern tier of the state. It remained a single sponsored occupationally bonded credit union until 1995.
(904) 321-0400 Lender's profile and map Reviews CBC National Bank 1891 S 14th St, Fernandina Beach, FL, 32034 CBC Mortgage at First Federal Bank, our focus is this: to put our customers first. Since this division opened its doors in 1999, our commitment has always been to provide nothing less than an exceptional experience in everything we do. It is because of that unwavering dedication to service and our customers.
(904) 491-3456 Lender's profile and map Reviews Atlantic Mortgage Consultants Inc 501 Centre Street, Suite 101, Fernandina Beach, FL, 32034 The professionals at Atlantic Mortgage Consultants are focused helping home buyers secure the best home loans in the Jacksonville, Amelia Island areas. When faced with the choice between dealing with a mortgage broker or a direct lender, home buyers quickly find that using us has distinct advantages.
(502) 439-7981 Lender's profile and map Reviews SWAN FINANCIAL CORPORATION 1901 Island Walk Way, Fernandina Beach, FL, 32034 Swan Financial, you will receive outstanding service from one contact throughout the entire mortgage process rather than being handed off from one department to the next. The most important financial transaction we make deserves constant communication and personalized attention. Protecting your personal information is a priority at Swan Financial
904-616-4326 Lender's profile and map Reviews Jet HomeLoans 1910 South 14th Street #101, Fernandina Beach, FL, 32034 At Jet HomeLoans, LLC, we’re dedicated to providing you with top-flight resources and first-class service to help you reach your dreams of homeownership. Comprised of some of the top mortgage talent in the industry, our team of loan professionals is committed to guiding you through every step of the home financing process.