USDA VS FHA in Ridge-Manor, Hernando County, FL

For 2025, the USDA loan cap in Ridge-Manor, located in Hernando County, FL, is $285,000, whereas the FHA limit for a single-family dwelling is $356,362.

Use the Lendersa® USDA loan tool to examine and compare the top rates for USDA and FHA loans today. Discover the income, credit profile, financial reserves, and necessary documentation to qualify. With our comprehensive mortgage calculator, evaluate USDA, FHA, Conforming, and VA loans side by side to help make an informed decision on which plan best suits your financial situation in Alabama.

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2025 Loan Limits and Down Payment Guidelines in Ridge-Manor, Hernando County, FL

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

USDA and FHA Loan Opportunities in Ridge-Manor, FL

The mission of Lendersa® is to facilitate swift and hassle-free acquisition of the best USDA or FHA loan options. You have three initial pathways to connect with lenders and access USDA loan programs tailored to your needs.

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Understanding USDA Loans in FL

A USDA home loan, assured by the government's Department of Agriculture, also known as the USDA rural development loan or mortgage, is available exclusively in rural regions. Contrary to FHA loans that require a minimum of 3.5% down payment, USDA loans require zero down payment, offering a unique opportunity for eligible applicants in rural areas.

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



  • Southern Gas Federal Credit Union
  • 2205 East Roosevelt Road, Little Rock, AR, 72206
  • We offer a variety of savings and investment options to fit your lifestyle. Feel confident knowing you have saved from every paycheck for all the important moments in life! Let us help make your dreams a reality! Whether it’s a new car, boat, or vacation of a lifetime, we’ve got just the loan you need.
  • Calhoun County Bank, Inc.
  • 443 High Street, Grantsville, WV, 26147
  • We were known as The Calhoun County Bank and issued a Certificate of Incorporation by the State of West Virginia on the 14th day of November, 1900. Our humble beginning started with 250 shares of capital stock with a $100.00 par value for an initial capitalization of $25, 000.00. The bank opened for business in January 1901.
  • Mobiloil Credit Union
  • 3535 Calder Avenue, Beaumont, TX, 77706
  • Mobiloil CU is a not-for-profit financial service cooperative that currently has more than 67, 000 members & assets exceeding $1 Billion. Our purpose is to help members achieve their goals and dreams by providing the financial tools and services to get them there. Mobiloil CU has maintained a competitive position among other financial institutions.
  • Homestead Mortgage
  • 8155 Gladys Ave, Suite 100, Beaumont, TX, 77706
  • Homestead Mortgage was founded in 1997 by Dave Faul. Faul was interested in a more personal, hands-on approach for clients to help achieve the best home loan experience. Homestead Mortgage has been serving the Golden Triangle and Texas, for the past 20 years. Our years of experience has lead us to provide a better experience for our clients
  • The Peoples Bank of Red Level
  • 500 North Jackson, Magnolia, AR, 71753
  • Peoples Bank has been serving Magnolia Arkansas & surrounding cities in Columbia County for over 100 years. We are the only bank located exclusively in Columbia County. The Peoples Bank is a branch office of The Peoples Bank. They provide the following services: Full Service Office Location & are located at 500 North Jackson in Magnolia Ark
  • Farmers Bank & Trust
  • 1129 E Main St, Magnolia, AR, 71753
  • Farmers Bank & Trust was chartered on September 26, 1906, and has been in operation since its inception. Farmers Bank is an independent community Bank and operates out of a one-Bank holding company, Magnolia Banking Corporation. The Bank operates a subsidiary called Magnolia Properties, Inc
  • Ravenswood Federal Credit Union
  • 702 Washington Street, Ravenswood, WV, 26164
  • Ravenswood Federal Credit Union has been open since 1959. It's the 25th largest credit union in West Virginia with assets totaling $41.28 Million and providing banking services to more than 5, 000 members as of March 2022 The credit union is a community-based financial institution. People living, working
  • Farmers Bank of Milton
  • 41 Ferry Street, Milton, KY, 40045
  • At Farmers Bank of Milton, we strive to offer the superior banking service our customers expect. Most importantly, we want to ensure that our experienced staff delivers these services in a friendly, efficient manner. We are proud to be a part of our communities and to participate in the growth and prosperity of our region.
  • Griffin Capital
  • 1135 Heatherstone Dr, Suite 102, Fredericksburg, VA, 22407
  • Griffin Capital Funding has grown to become one of the largest and most creative church financing companies in the country. With over $1.5 Billion in closed church loans, we have helped churches with loans as small as $50, 000 up to our largest loan for one church of $35, 000, 000.
  • Diamond Valley Federal Credit Union
  • 840 East Diamond Avenue, Evansville, IN, 47711
  • Diamond Valley Federal Credit Union is a full-service financial institution and deposits are insured by the NCUA up to $250,000. Our members own Diamond Valley Federal Credit Union so we have no outside stockholders and our Board of Directors are volunteers. Diamond Valley is not-for-profit so we can return profit back to the members
  • Heritage United Mortgage Services
  • 1420 N Weinbach Ave, Evansville, IN, 47711
  • We are a family owned mortgage lender dedicated to making the home loan process simple and fast. Dan Phillips has been in the mortgage industry for the past 30 years and strives to offer excellent service, low competitive rates and mortgage loan programs that meets your specific need.