In 2025, the USDA loan limit for Ridge-Wood-Heights, located in Sarasota County, FL, is $338,500, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today. Find out the income, credit score, reserves, and documents required to qualify. With our advanced mortgage calculator, you'll see USDA, FHA, Conforming, and VA options side by side to determine which program fits your financial situation best in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $338,500 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa®'s mission is to provide you with the best possible USDA or FHA loans quickly and without hassle. Select one of three pathways to align with matching lenders and explore USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment, providing a significant advantage for eligible rural buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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