USDA Vs. FHA Pro and Con comparison in Odessa, Pasco County, FL
As of 2026, the USDA loan cap in Odessa, within the county of Pasco, FL, is set at $336,500. Meanwhile, the FHA limit available for a single-family home is $472,030.
To evaluate the best rates currently available, make use of the Lendersa® USDA loan calculator to compare USDA versus FHA loans. This tool will help you assess the required income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, so you can choose which option in aligns best with your financial plans.
Loan Limits and Downpayment Requirements for 2026 in Odessa, Pasco County, FL
Loan Type
Loan Cap
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Odessa, FL
The aim of Lendersa® is to secure for you the most favorable USDA or FHA loan quickly and hassle-free. Choose one of the three starting options that lead to matching lenders and USDA loan programs.
A USDA home loan is a mortgage supported by the government, specifically by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These loans are available only in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans require no down payment at all.
The Native American Bancorporation serves as the holding company for Native American Bank, N.A. and is a Community Development Institution (CDI) whose purpose is to promote economic development in areas that are underserved by traditional financial institutions. Chartered as a national community development focused bank.
Preferred Lending Partners, was founded in 1985 and is a not-for-profit Certified Development Company for all of Colorado primarily focusing on counties of Adams, Boulder, Broomfield, Denver. Preferred Lending Partners specializes in SBA 504 loans for small businesses we can also lead you through the rewarding endeavor of acquiring your own assets.
Our goal is to add value to the lives of our members, employees, and the greater community. To do that, we believe in acting a certain way and look to our core values to guide us in every decision we make.
We have a long history of providing excellent financial products and services to our members, and will uphold our commitment.
Expect Mortgage Co are home loan and refinance specialists serving clients in the beautiful state of Colorado. We provide honest, transparent, and trustworthy home loan origination and refinance services. We have established a unique value prop that we feel resonates well with first-time home buyers.
North Point Financial Inc are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
RP Mortgage, Ltd. offers Jumbo, Super Jumbo, Conventional, Home Equity Loans, Home Equity Lines of Credit, FHA, and VA financing. Our rates are some of the most competitive in Colorado. Whether you are looking to refinance or purchase your new home entrust RP Mortgage, Ltd. to handle this important financial decision
Beacon Lending Our #1 goal is to provide the best customer service you will ever receive from a mortgage broker. We have a high rate of return clients because we take time to understand our client's unique situation. Our experience allows us to fit them into a mortgage that works best for them.
Clear to Close Mortgage provides customized residential mortgages for purchasing or refinancing homes. We offer personalized mortgage services with our seasoned professional brokers taking care of each individual transaction. Our support staff has the expertise and systems in place to ensure a smooth transaction that you and your broker.
Our independence as a mortgage broker means we have the ability to offer rates, terms and flexibility other lenders can’t. Each client, each day, is a new opportunity to build our reputation and invest our years of expertise by guiding our customers through today’s challenging home financing decisions. Be it a purchase of a home.
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 while helping borrowers overcome the frequent roadblocks that can arise while securing a loan
Business loans are one of the most versatile forms of business financing available to owners on the market today. Champion Funding LLC can help you build the right loan product and get funding for your business to meet your unique business needs, for your next Investment property
