As of 2025, 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
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| Loan Type | Loan Cap | Initial Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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