USDA VS FHA in Ruskin, Hillsborough County, FL

In 2025, the USDA loan limit for Ruskin, located in Hillsborough County, FL, is set at $336,500. The FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today, and evaluate the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a parallel comparison of USDA, FHA, Conforming, and VA programs to help you determine which program is best suited for your financial needs in .

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Loan Limits & Down Payment Requirements for 2025 in Ruskin, Hillsborough County, FL

Loan Type Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loans in Ruskin, FL

The goal of Lendersa® is to secure the most favorable USDA or FHA loans for you quickly and without hassle. Choose one of three starting options that connect you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Is a USDA Loan in FL?

A USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the government Department of Agriculture and available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



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