USDA and FHA Pro and Con in Sarasota, Sarasota County, FL
In 2026, the USDA loan limit in Sarasota, located in the county of Sarasota, FL, is $400,000. The FHA limit for a single-family home stands at $506,000.
Utilize the Lendersa® USDA loan calculator to weigh the most favorable USDA against FHA rates today. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in selecting the optimal program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Sarasota, Sarasota, FL
Loan Type
Loan Limit
Down Payment
USDA
$400,000
0%
FHA
$506,000
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Sarasota, FL
Lendersa® strives to efficiently provide you with the finest USDA or FHA loan, seamlessly and quickly. Start by choosing one of these three paths to find matching lenders and explore USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture—also referred to as a USDA rural development loan or USDA mortgage—is restricted to rural areas. Unlike FHA loans that necessitate at least a 3.5% down payment, a USDA mortgage requires no down payment at all.
Rabun County Bank is a hometown bank with a strong commitment to exceeding our customer’s expectations. We want to be the best. Our customers want to bank with the best. Our employees want to work for the best. Our shareholders want to own a part of the best. We will strive to be the best in all that we do.
Pickens Federal Credit Union has a strong heritage with Pickens County, dating back to 1961 Our mission is to actively serve all members with respect and dignity, while providing a variety of beneficial services that are consistent with the Credit Union Philosophy of "People Helping People.
The AGS Financial Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Commercial Bank has always been committed to serving communities that lacked access to credit & consumer financial services. In 2014 we continued our commitment to serving our economically underserved markets by becoming a certified Community Development Financial Institution. Community business leaders formed Commercial Bank in 1914 in DeKalb, MS.
Cadence Bank is a leading regional banking franchise with $47.8 billion in assets* and more than 400 branch locations across the South, Midwest and Texas. Cadence provides consumers, businesses and corporations with a full range of innovative banking and financial solutions.Services and products include consumer banking and more.
We want to be your mortgage lending solution. Full Service mortgage broker. We close Conventional, FHA, VA and USDA mortgage loans. Experienced with first time home buyers, move up buyers, retirees, primary residence, 2nd homes, and investment purchases. Over 30 years of experience in all types of mortgage lending.
First Lenders Mortgage Corporation was founded in 1988 and has offices in Albertville and Homewood to serve customers throughout the state of Alabama. At First Lenders Mortgage, we assist countless home buyers with the mortgage process, delivering personal service and exceptional value to our clients. At First Lenders, we assist you
Here at Community Partners FCU, we are dedicated to you and all your financial needs.
We've been around since 1971and with over 500 members and assets over $5 million, we strive to assist our members in receiving the best interest rates, loans, and member benefits.
Our most important asset is our members.
