USDA Vs. FHA your options comparison in Port-Charlotte, Charlotte County, FL
In 2025, the USDA loan limit for a single-family home in Port-Charlotte, situated in Charlotte county, FL, is $315,100, compared to the FHA limit of $356,362.
Utilize the Lendersa® USDA loan calculator to contrast USDA and FHA rates today. This tool guides you in assessing the income, credit, reserves, and necessary documents for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side to pick the best program for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Port-Charlotte, Charlotte, FL
Loan Type
Loan Limit
Down Payment
USDA
$315,100
0%
FHA
$356,362
3.5%
Conforming
$548,250
3%
Options for USDA and FHA Loans in Port-Charlotte, FL
At Lendersa®, our aim is to provide you with the best USDA or FHA loans quickly and hassle-free. Choose one of the three starting points to find compatible lenders and USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture. It is available only in rural areas. Unlike FHA loans that generally require a minimum down payment of 3.5%, USDA loans require no down payment.
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Our focus is on you, the customer. Whether you are thinking about buying a new home or refinancing your existing home, we have the experienced and hardworking home loan experts that you need on your side. Our staff knows that our work ethic and knowledge about the entire home buying process sets us apart as the premier mortgage broker.
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Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
