USDA VS FHA in Seminole, Pinellas County, FL

In 2025, the USDA loan cap in Seminole, situated in Pinellas county, FL, stands at $0, whereas the FHA limit is $472,030 for single-family homes.

Use the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, assessing the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the most suitable program in for your financial scenario.

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2025 Loan Limits and Downpayment Requirements in Seminole, Pinellas, FL

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

Choose USDA and FHA Loan Options in Seminole, FL

Lendersa® aims to connect you quickly with the best USDA or FHA loans, hassle-free. Choose one of three starting points to find matching lenders and USDA loan offerings efficiently.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan is guaranteed by the Department of Agriculture and is dubbed the USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans with a minimum 3.5% down payment requirement, a USDA mortgage demands no down payment.

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



  • PrimePoint Mortgage LLC
  • 30 East Johnston Street, Suite B, Forsyth, GA, 31029
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • The First National Bank and Trust
  • 111 South Main Street, Atmore, AL, 36502
  • First National Bank and Trust is located in Atmore, AL, United States and is part of the Depository Credit Intermediation Industry. First National Bank and Trust has 119 total employees across all of its locations and generates $10.46 million in sales (USD). There are 6 companies in the First National Bank and Trust corporate family.
  • United Bank
  • 200 E. Nashville, Atmore, AL, 36502
  • Founded in 1904, United Bank serves the needs of consumers, small businesses, agriculture and commercial customers. As a community bank, United Bank makes a difference because . . . By shopping local and banking locally with United Bank, customers can make a real difference in the lives of their neighbors and the future of their community.
  • Southern Bank
  • 855 North Liberty Street, Waynesboro, GA, 30830
  • We were founded by people who wanted to offer a better banking experience—one with the technical prowess of a big bank and the personal service of a community bank. The Southern Bank blends those two experiences into one, with business-minded bankers delivering big-bank technology without losing the warmth and classic
  • The First National Bank of Waynesboro
  • 626 North Liberty Street, Waynesboro, GA, 30830
  • The mission of First National Bank of Waynesboro is to be the most innovative, trustworthy, friendly financial institution with the community’s interests at heart. First National Bank of Waynesboro strives to inform, educate, & develop the most up to date technology & services for all customers’ financial needs in Burke County & surrounding areas.
  • East Alabama Community Federal Credit Union
  • 509 E Thomason Circle, Opelika, AL, 36803
  • We have 3800 members and approximately $14 million in assets. The credit union was founded in 1961 and originally served Lee County Hospital employees. Since then, Lee County Hospital has been renamed East Alabama Medical Center & is still a major sponsor group. EAC Federal Credit Union has expanded to include the following select employee groups.
  • Auburn University Credit Union
  • 1290 S. Donahue Drive, Auburn, AL, 36832
  • Auburn University Credit Union is here to help you navigate life's milestones. From education expenses, auto loans, vacations, home purchases, AU Credit Unions is built around where you live, work, study & play. We're locally owned for our local neighbors. We’re always on your team because we understand the importance of being stronger together.
  • PREFERRED MORTGAGE FINANCIAL
  • 122 S. Congress St., Allendale, SC, 29810
  • Preferred Mortgage Financial is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial
  • Advance Mortgage & Investment Company, LLC
  • 30500 State Highway 181, Suite 460, Daphne, AL, 36527
  • At AMIC, we strive to treat all our customers like friends and neighbors, because that's exactly what you are. Based in the Southeast, we live, work, and play right alongside many of our customers. We'll always guarantee you the best loan, work with local lenders whenever possible,