USDA Vs. FHA your options comparison in Palm-River-Clair-Mel, Hillsborough County, FL

For 2025, the USDA loan limit in Palm-River-Clair-Mel, located in Hillsborough county, FL, is set at $285,000, whereas the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates. Determine the necessary income, credit level, reserves, and paperwork needed for eligibility. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA programs side by side, helping you to choose the optimum financial route in .

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2025 Loan Limits and Down Payment Essentials in Palm-River-Clair-Mel, Hillsborough County, FL

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

Loan Options for USDA and FHA in Palm-River-Clair-Mel, FL

Lendersa® seeks to connect you with the best USDA or FHA loan quickly and without hassle. Choose from three starting options that help match you with lenders and appropriate USDA loan programs.

Lendersa USDA Loan Request and Matching Results

Understanding USDA Loans in FL

The USDA home loan is guaranteed by the Department of Agriculture, often termed as the USDA rural development loan or mortgage. It is accessible only in rural areas, providing the notable advantage of requiring no down payment, unlike FHA loans which demand at least a 3.5% down payment.

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



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