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

In 2025, 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 .

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2025 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?



  • First Century Federal Credit Union
  • 1512 E Benson Road, Sioux Falls, SD, 57104
  • First Century Federal Credit Union was chartered April 11, 1935. Our Charter is a closed Transportation Charter. If you are employed by one of our business members or an immediate family member of a current member you are eligible to become a member owner at First Century. First century is a member owned, not for profit Co-op.
  • The First National Bank in Sioux Falls
  • 100 S Phillips Ave, Sioux Falls, SD, 57104
  • At The First National Bank in Sioux Falls, we do things differently. With an infectious culture, a 135-year commitment to our communities, and a foundation built on our FIRST Values, we pride ourselves on being more than just a bank. Whether you’re looking to purchase your first home, starting a new business venture, or ready to invest,
  • American Bank & Trust
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  • American Bank & Trust is a South Dakota community bank offering personal, business, agricultural, wealth management and insurance products and services.Since 1892, American Bank & Trust has been more than a bank. Our customers are our friends, our neighbors and our connection to the communities we serve.
  • Dakota Business Finance
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  • In April 2006, Dakota BUSINESS Finance was designated as a Certified Development Company (CDC) by the Small Business Administration and began offering the SBA 504 program to businesses throughout South Dakota. The territory was later expanded to include portions of IA, MN, and NE.
  • Great Western Mortgage
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  • 700 E 14th Street, Sioux Falls, SD, 57104
  • Sioux Falls Federal Credit Union provides the full range of consumer and business financial services. We are a member-owned financial cooperative with local decision-making for all business credit and deposit needs. A full-service locally owned financial institution providing financial services in Minnehaha, Lincoln, Turner
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  • Winthrop Area Federal Credit Union
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  • Our credit union is a not-for-profit, cooperative financial institution owned by its members. Business decisions at Winthrop Area FCU are driven by what is in the best interests of the membership. As a credit union founded to help under-served individuals, we continue to believe that access to financial services.
  • Allstate Home Mortgage
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  • Farmers & Stockmens Bank
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  • Since our inception in 1920, the generations of service providers with Farmers & Stockmens Bank have shared the goal of offering our customers the most up-to-date products and services, competitive rates, and sensible terms to help them reach their financial goals. Whether you are buying a CD, buying a house, funding 4-H projects, or funding a cons