USDA VS FHA in Sebring, Highlands County, FL

In 2025, USDA loan limit in Sebring, county of Highlands, FL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Sebring, county of Highlands, FL

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

USDA and FHA loan options in Sebring, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Wayne Westland Federal Credit Union
  • 500 S. Wayne Rd, Westland, MI, 48186
  • Wayne Westland Federal Credit Union began in 1954 based on the credit union “people helping people” philosophy. As a community-chartered credit union, we put our members first in all we do. We’re not like a typical bank. WWFCU is not-for-profit, which means all of our earnings go back to you.
  • Parkside Credit Union
  • 1747 S. Newburgh Rd., Westland, MI, 48186
  • Parkside Credit Union, a Michigan based financial institution, has been serving the community since 1953. Parkside offers a full line of financial products and services to its members and provides convenient account access with thousands of nationwide fee‐free ATM locations as well as mobile, online, and telephone solutions.
  • HARRISON TEACHERS FEDERAL CREDIT UNION
  • 33 Oakland Avenue, Harrison, NY, 10528
  • Harrison Teachers Federal Credit Union has been open since 1938. The credit union has assets totaling $1.78 Million and provides banking services to more than 300 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.
  • Scott Capital Group
  • 600 Mamaroneck Avenue, Harrison, NY, 10528
  • At Scott Capital Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • C&B Mortgage Solutions LLC
  • 141 Ecorse Road, Ypsilanti, MI, 48198
  • C&B Mortgage Solutions was founded by family and it has shaped the way we approach relationships. Whether we are working closely with a first-time home buyer to help educate them throughout the process or consulting with seasoned homeowners to determine their refinance goals-our mission is to serve all with high level of expertise, integrity
  • Educational & Governmental Employees FCU
  • 333 N Central Avenue, Hartsdale, NY, 10530
  • Established in 1937, Educational and Governmental Employees Federal Credit Union is a safe, secure, and full service financial institution, serving nearly 7, 300 members. We pride ourselves on offering outstanding service and providing members with the tools and resources for a brighter financial future.
  • Cooperative Choice Network Credit Union
  • 3927 N. University St, Suite C, Peoria, IL, 61614
  • Choice Credit Union and Illinois Electric Cooperatives Federal Credit Union (IECFCU) joined creating the state of Illinois’s first network credit union, Cooperative Choice Network Credit Union (CCNCU). The founding of the network credit union is to allow credit unions to become a part of the network credit union and its products and services.
  • Kemba Peoria Credit Union
  • 2318 W Willow Knolls Drive, Peoria, IL, 61614
  • KEMBA Peoria Credit Union was organized in 1934 and is a non-profit financial cooperative, chartered by the State of Illinois and regulated by the National Credit Union Administration (NCUA) who federally insures your savings account up to $250, 000. Our purpose is to promote savings by paying higher dividend rates, to provide low cost loans,
  • North Pines Financial Solutions
  • 2135 W Sunnyview Dr, Peoria, IL, 61614
  • Our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.
  • FLAT BRANCH HOME LOANS
  • 3408 Willow Knolls Dr, Peoria, IL, 61614
  • Flat Branch Home Loans is focused on providing low rate mortgages in Missouri with unparalleled service and expertise. Our experienced staff is the brightest in the industry and is ready to help you find the mortgage for your next home purchase or refinance. Please visit our web page at flatbranchhomeloans.com.
  • The Mortgage Outlet New York
  • 280 West Main Street, Sayville, NY, 11782
  • The Mortgage Outlet has originated over $500 million in mortgage loans. We are family owned and operated and have been at the same location, in Sayville. Our philosophy is plain and simple; a satisfied client is our best form of advertising. We provide competitive mortgage products combined with superior customer service
  • Inner Lakes Federal Credit Union
  • 19-21 East Main Street, Westfield, NY, 14787
  • At Inner Lakes Federal Credit Union, each dollar of income is passed along to our members in the form of higher dividends on savings, lower interest on loans, or new and improved services. We are member owned and not-for-profit, we exist solely to serve our members and provide a smart alternative to profit-driven banks and other institutions.