FHA Vs. USDA loan program for Ridgecrest, Pinellas County, Florida

In 2026, the USDA loan limit in Ridgecrest, located within Pinellas county, FL, is $0, while the FHA cap for a single-family residence is $472,030.

Leverage the Lendersa® USDA loan calculator to assess today’s competitive rates between USDA and FHA, and determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side, aiding in your decision of which program best suits your financial situation in .

Exploring USDA and FHA Loan Options in Ridgecrest, FL

The mission of Lendersa® is to secure you the most favorable USDA or FHA loan quickly and without hassle. Choose one of three starting points to connect with lenders offering matching USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan is guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is specifically available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not necessitate any down payment.

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Ridgecrest Lenders
(727) 399-6991 Lender's profile and map Lincoln Financial Mortgage Corporation 10658 Seminole Blvd, Seminole, FL, 33778 Lends in Florida 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.
(727) 859-3702 Lender's profile and map Ocean Blue Mortgages Inc 14562 Vista Lane, Largo, FL, 33774 Lends in Florida 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.
(727) 877-8030 Lender's profile and map Merchant One Financial 12800 Indian Rocks Rd #5C, Largo, FL, 33774 Lends in Florida mer1loans.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity and We cater to new home purchases and refinance loans. Take advantage of the low rates in the market today while it lasts. FHA/VA loans, USDA loans, commercial, and conventional.
704-710-0444 Lender's profile and map Integrity Mortgage Group 2401 W Bay Dr, Largo, FL, 33770 Lends in Florida Integrity Mortgage Group (IMG) is a direct mortgage bank with a focus on providing many different mortgage loan options. IMG helps customers find the right solution for their mortgage lending needs. The borrower is our focus, first and foremost, as we provide a means for them to grow and prosper.
(727) 330-6888 Lender's profile and map B R Funding 204 4th Avenue, Suite 1024, Indian Rocks Beach, FL, 33785 Lends in Florida BR Funding is here to assist you with solid solutions and the best wholesale rates and programs to accomplish your personal goals. Never pay retail again. With your help BR Funding will design savings strategy personalized to accomplish your financial needs so you can live the life you deserve.
(727) 642-1166 Lender's profile and map GENERATION MORTGAGE ASSOCIATES, LLC 12052 100th Ave, Seminole, FL, 33772 Lends in Florida "Generation Mortgage Associates have and extensive background in mortgage financing. Most of our Loan Originators have over 15 years experience in the Residential Lending industry. We are a team of hard working and knowledgeable professionals. We understand the mortgage business inside and out,"
(727) 531-0000 Lender's profile and map Integrity Financial Services 13129 66th Street, Largo, FL, 33773 Lends in Florida Integrity Financial Services is a full service residential and commercial lending company. Our staff of mortgage professionals are committed to 100% customer satisfaction. We understand our clients have choices for their mortgage needs. That is why we pride ourselves in a sound consultative approach to deliver the right loan program
(727) 784-5555 Lender's profile and map DDA Mortgage Inc 11701 South Belcher Rd, Suite 101A, Largo, FL, 33773 Lends in Florida "DDA Mortgage Brokerage NMLS# 324326 Didier Malagies NMLS# 212566 Great partner to Realtors by offer a broad array of loans and outstanding service. FHA, FNMA, FHMC, VA, Conventional, HomePath, USDA, FHA 203k, Jumbo, Foreign, Construction, and more. 34 years of experience partnering with real estate professionals"
(727) 586-4422 Lender's profile and map Pinellas Federal Credit Union 10273 Ulmerton Rd, Largo, FL, 33771 Lends in Florida Pinellas Federal Credit Union is committed to our mission of delivering quality personalized service to our members & communities through: Ensuring professionalism and integrity; Providing members with a safe and sound financial organization; Leveraging innovation to promote membership growth; and Developing an engaged and knowledgeable workforce.