USDA Vs. FHA Pro and Con comparison in North-Sarasota, Sarasota County, FL

In 2025, USDA loan limit in North-Sarasota, county of Sarasota, FL is $338,500 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in North-Sarasota, county of Sarasota, FL

Loan Type Loan Limit Down payment
USDA $338,500 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in North-Sarasota, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Franklin Savings Bank
  • 387 Central Street, Franklin, NH, 03235
  • Franklin Savings Bank is committed to fulfilling the financial services needs of the families and businesses in New Hampshire. We consistently deliver superior quality service that exceeds the expectations of our customers. As an community savings bank, we acknowledge the importance of improving our customers'​ financial position.
  • Marshfield Medical Center Credit Union
  • 302 W Upham Street, Marshfield, WI, 54449
  • Marshfield Medical Center Credit Union was chartered in 1965 under laws of the State of Wisconsin by employees of St. Joseph’s Hospital. Until 1985 the credit union operated from office space in the hospital. That year we relocated to our own facility. Since then we have added numerous services and enjoyed exceptional growth.
  • Mortgage Experts Team
  • 1304 North Central Avenue, Marshfield, WI, 54449
  • Having worked for different companies as a loan originator for many years, Laura Leonhard, the founder of Mortgage Experts, had a vision: To offer our clients exceptional mortgage financing and service in a friendly, relaxed, and casual atmosphere. From this vision came Mortgage Experts Team of Waterstone – a full service mortgage lender.
  • First Choice Credit Union
  • 1614 E. Fourth Street, Marshfield, WI, 54449
  • First Choice Credit Union is located in Marshfield, Wisconsin, and was founded in 1967. At this location, First Choice Credit Union employs approximately 12 people. This business is working in the following industry: Finance other. Annual sales for First Choice Credit Union are around USD 1, 100, 017.00
  • Key Mortgage Corp
  • 18 Tower Ave, Rye, NH, 03870
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Maritime Mortgage Company
  • 1257 Washington Road, Suite 100, Rye, NH, 03870
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. and also Maritime Mortgage Company, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it
  • Santa Fe Federal Credit Union
  • 7600 Hillside Road, Amarillo, TX, 79119
  • Santa Fe Federal Credit Union is a full-service credit union that is designed to meet all of your financial needs. Our roots are serving the BNSF railroad, but we have now made it possible for YOU to be a member too. From (really) free checking accounts to high interest rates on savings accounts and low interest on loans.
  • Spirit Mortgage
  • 4501 First United Bank Parkway, Amarillo, TX, 79119
  • Roots run deep in West Texas for First United Bank. In fact, all our roots are right here. Since beginning in 1907 as The First State Bank of Dimmitt to First United Bank today, our business model has always been focused on West Texas communities, the people who live and work here and their distinct financial needs.
  • Pamela Madore Mortgage
  • 3955 South Soncy, Amarillo, TX, 79119
  • Pamela Madore has had more than 30 years experience in the Real Estate and Mortgage Industry. Pamela Madore is a Keller Williams Global Property Specialist and is able to market your property throughout the world. She has lived in Maine, Florida and now Texas and has experience is the sales of recreational property, multi-family properties.
  • Bivins Federal Credit Union
  • 9309 W CIG Road, Suite A, Masterson, TX, 79058
  • Bivins Federal Credit Union has been open since 1940. The credit union has assets totaling $6.57 Million and provides banking services to more than 500 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
  • Arcadia Credit Union
  • 535 South Dettloff Drive, Arcadia, WI, 54612
  • Arcadia Credit Union opened its doors in Arcadia, Wisconsin in 1963 in the former Trempealeau Electric Building. In 1963, the office moved to the Supreme School Supply building on Main Street. Arcadia Credit Union moved to Joe Klonecki's Insurance Building in 1967 and then, in 1973, they purchased Hermann's Barber Shop as their office.