USDA VS FHA in New-Port-Richey, Pasco County, FL

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.

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2026 Loan Limits and Downpayment Requirements in New-Port-Richey, Pasco County, FL

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

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.

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



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  • 917 North Plum Grove Road, Suite C, Schaumburg, IL, 60173
  • Since 2003, Creative Lending Solutions has been making it easier to procure the best commercial real estate financing available. Our long-term relationships with national banks, local banks and conduit leaders uniquely position us to find high-value borrowing opportunities for our clients.
  • HomeTown Lending Partners LLC
  • 1700 East Golf Road, Suite 100, Schaumburg, IL, 60173
  • HomeTown Lending Partners we want to make your loan experience satisfying and rewarding. Our seasoned Mortgage Consultants will carefully guide and educate you through the entire home loan process, so you feel confident as you make choices about the many options available for your financing strategy
  • Connect Mortgage Corp
  • 1375 Remington Road, Suite C, Schaumburg, IL, 60173
  • Dimitre Dimitrov Owner of Connect Mortgage Corp in Schaumburg, IL. I have learned how to structure all types of deals and provide quality service for all of my clients. If you are looking for a good mortgage broker I am available to offer same day pre approvals, personally monitor your transaction and offer face to face appointments.
  • PRISM LENDING, INC.
  • 850 E Higgins Rd, Suite 125W, Schaumburg, IL, 60173
  • We are a full-service mortgage company based in Schaumburg, IL. We specialize in FHA Loans and Conventional Loans in Chicagoland area and across IL. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment
  • KEY MORTGAGE SERVICES, INC.
  • 475 North Martingale Road, Suite 100, Schaumburg, IL, 60173
  • Key Mortgage is a full-service financial products provider consistently ranking among the top lenders in Chicagoland. The company has twice been named a Top Employer by National Mortgage Professional magazine and a top lender by Chicago Agent magazine. It has also been recognized for excellence both in Illinois and nationally by Ask a Lender.
  • Zachary Karp Mortgage Team
  • 1300 E Woodfield Rd, Suite 304, Schaumburg, IL, 60173
  • Zachary Karp Mortgage Team understands that a home is one of the most important financial decisions you’ll make. A home can have more value than just an investment though; it’s where you raise your family, become engulfed in a community, and never question the feeling of home.and Zachary Karp is your local and trusted Schaumburg mortgage lender.
  • HomeTrust Mortgage Corporation
  • 1475 E Woodfield Rd, Suite 110, Schaumburg, IL, 60173
  • HomeTrust Mortgage Corporation is a Mortgage Banker that provides high quality financial services to the public. HomeTrust was founded in 1995 It is our mission to provide high quality mortgage programs at the most competitive rates. We fund Conventional, FHA, VA, and Jumbo mortgages tailored to your unique situation.
  • Prime Mortgage Company
  • 460 Bergen Blvd, Suite 307, Palisades Park, NJ, 07650
  • We are licensed mortgage broker company with an experienced licensed loan officers offering expertise in every aspect of mortgage lending including purchase and refinance for both residential and commercial mortgages. We are dedicated to providing financial solutions and servicing with impeccable integrity, and to offer best available loan.
  • Heritage Bank of Schaumburg
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  • Heritage Bank of Schaumburg is a community-oriented, independently owned financial institution that opened its doors for business on August 8, 1974. As one of the first financial institutions in the Schaumburg area, Heritage Bank services an established customer base, many of whom have banked with our institution for over ten years.