USDA and FHA Pro and Con in Plant-City, Hillsborough County, FL

In 2025, the USDA loan cap in Plant-City, located in Hillsborough county, FL, is $285,000. Meanwhile, the FHA cap for a single-family residence is $356,362.

Lendersa® offers a USDA loan calculator to assess today’s best USDA versus FHA rates, enabling you to determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose which program in best suits your financial needs.

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2025 Loan Limits and Down Payment Requirements in Plant-City, Hillsborough, FL

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

Considering USDA and FHA Loans in Plant-City, FL

At Lendersa®, our mission is to swiftly provide the ideal USDA or FHA loans without hassle. Begin with one of the three pathways to connect with lenders and explore USDA loan programs.

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Defining the USDA Loan in FL

USDA home loans are backed by the Department of Agriculture, also known as USDA rural development loans or mortgages. They are specifically for rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA mortgages require no down payment at all, offering accessible financing options.

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



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