USDA and FHA Pro and Con in Seffner, Hillsborough County, FL

In 2025, the USDA loan cap in Seffner, Hillsborough county, FL, is $336,500, while the FHA limit for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to compare today's USDA and FHA best rates, determining necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in regions like Alabama for your financial scenario.

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2025 Loan Limits and Downpayment Requirements in Seffner, Hillsborough, 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 Choices in Seffner, FL

The objective of Lendersa® is to swiftly connect you with the best available USDA or FHA loan without hassle. Choose one of three starting strategies that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results visualization

Understanding USDA Loans in FL

The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.

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



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