USDA and FHA Pro and Con in Pinellas-Park, Pinellas County, FL

In 2026, the USDA loan limit in Pinellas-Park, located in Pinellas County, FL, is $0, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare the best available USDA versus FHA rates today. Determine the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the right program for your financial needs in .

Explore loan offers from over 100 lenders

2026 Loan Limits and Down Payment Requirements in Pinellas-Park, Pinellas County, FL

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

Discovering USDA and FHA Loan Choices in Pinellas-Park, FL

At Lendersa®, our mission is to secure the most advantageous USDA or FHA loans for you quickly and effortlessly. Choose among three starting points to connect with the right lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining a USDA Loan in FL

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans demand no down payment.

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



Pinellas-Park Lenders

  • Florida Reverse HECM
  • 6251 44th Street N, Suite 3, Pinellas Park, FL, 33781
  • Lends in Florida
  • A Smart Senior understands that a Reverse Mortgage is a home loan that enables homeowners 62 and older to access the equity in their home with no monthly payment. You may choose from several payment options, including a lump sum, equal payments over time, a line of credit or a combination of the fore mentioned.

  • Generation Mortgage
  • 8801 70th Way, Pinellas Park, FL, 33782
  • Lends in Florida
  • Generation Mortgage Associates LLC's headquarters is located in Pinellas Park, Florida. Generation Mortgage Associates LLC generates $363.5K in revenue per employee Generation Mortgage Associates LLC's main competitors are First Integrity, Yourmortgageshop and Fast Direct Lending

  • Citrus Lending of Tampa Bay
  • 6035 43rd Terrace N, Saint Petersburg, FL, 33709
  • Lends in Florida
  • Citrus Lending of Tampa Bay is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending of Tampa Bay will work with you to get you the financing you need

  • ECU Credit Union
  • 8250 Bryan Dairy Road, Suite 150, Largo, FL, 33777
  • Lends in Florida
  • ECU Credit Union is a not-for-profit financial cooperative. That means our members own us. No stockholders to worry about just our members/owners. Convenient services with competitive dividends and interest rates are our prime responsibilities. As a member of ECU Credit Union, your entire family is eligible to join.

  • All In One Lending Inc
  • 6933 Greenbrier Dr, Seminole, FL, 33777
  • Lends in Florida
  • All In One Lending, we believe in speed, service, and transparency. Whether you are a first-time homebuyer or an experienced real estate investor, we want to provide you the education and loan options to help you meet your specific goals. We have a passion for putting our clients’ interests first,

  • 1st Equity Capital Funding, Inc.
  • 4359 35th Street North, Suite E5, Saint Petersburg, FL, 33714
  • Lends in Florida
  • 1st Equity Capital Funding, Inc equityWhether the commercial real estate you are trying to finance is for a rate & term refinance due to a balloon coming due, a cash out refi, a note being called in, or an acquisition, we work in correspondence with many wholesale commercial mortgage lenders from Life Insurance Companies.

  • Integrity Financial Services
  • 13129 66th Street, Largo, FL, 33773
  • Lends in Florida
  • Integrity Financial Services is a full service residential and commercial lending company. Our staff of mortgage professionals are committed to 100% customer satisfaction. We understand our clients have choices for their mortgage needs. That is why we pride ourselves in a sound consultative approach to deliver the right loan program

  • DDA Mortgage Inc
  • 11701 South Belcher Rd, Suite 101A, Largo, FL, 33773
  • Lends in Florida
  • "DDA Mortgage Brokerage NMLS# 324326
    Didier Malagies NMLS# 212566
    Great partner to Realtors by offer a broad array of loans and outstanding service. FHA, FNMA, FHMC, VA, Conventional, HomePath, USDA, FHA 203k, Jumbo, Foreign, Construction, and more. 34 years of experience partnering with real estate professionals"

  • Florida's Best Mortgage Company (Orlando)
  • 13575 58th St N, Suite 108, Clearwater, FL, 33760
  • Lends in Florida
  • Florida's Best Mortgage Company, a professional mortgage company specializing in residential mortgages. At Florida's Best Mortgage Company, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants.