USDA and FHA Pro and Con in Sarasota-Springs, Sarasota County, FL
In the year 2026, the USDA loan limit in the city of Sarasota-Springs, within Sarasota county, FL, is set at $338,500. Meanwhile, for a single-family home, the FHA limit is $356,362.
To compare the best available rates for USDA against FHA, use the Lendersa® USDA loan calculator. It will also help you determine the income, credit, savings, and documents necessary to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the right program for your financial circumstances in .
Loan limits and down payment requirements for 2026 in Sarasota-Springs, Sarasota, FL
Loan Type
Loan Limit
Down Payment
USDA
$338,500
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Option paths for USDA and FHA loans in Sarasota-Springs, FL
The aim of Lendersa® is to secure the finest USDA or FHA loan swiftly without complications. Select one of the three initial approaches to connect with matching lenders and USDA loan programs.
A USDA home loan is a government-backed loan courtesy of the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. It is restricted to rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage entails no down payment obligations.
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