USDA and FHA Pro and Con in Shady-Hills, Pasco County, FL

In 2025, the USDA loan limit for Shady-Hills in Pasco county, FL, is set at $285,000, while the FHA limit for single-family homes is $356,362.

With Lendersa®'s USDA loan calculator, you can compare the leading USDA versus FHA rates today. By determining the income, credit score, reserves, and documents needed for qualification, our detailed mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side to decide what is right for your financial plans in .

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2025 Loan Caps and Down Payment Requirements in Shady-Hills, Pasco, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Shady-Hills, FL

The mission of Lendersa® is to swiftly connect you with the best USDA or FHA loan, without complications. Choose from three initial steps to match you with lenders providing USDA financing.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan, supported by the Department of Agriculture, commonly known as the USDA rural development loan or USDA mortgage, is exclusively available in rural zones. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages necessitate no down payment.

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



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  • 1st Georgia Home Mortgage is located approximately 35 miles North-West of Atlanta, GA in the city of Cartersville. The company is owned by Maurni Weeks Moss 1st Georgia Home Mortgage has been serving clients throughout the state of Georgia with both buying homes as well as refinancing to more affordable mortgage Loans since the year 2001.
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  • 407 DeKalb Street, Camden, SC, 29020
  • First Palmetto Bank, one of South Carolina’s oldest financial institutions remains headquartered in the state’s oldest inland city of Camden. First Palmetto has grown to become one of the largest locally owned full-service financial institutions headquartered in South Carolina, with twenty-three branch locations across the state.
  • Gulf-South-Mortgage-LLC
  • 12292 Ashley Drive, Gulfport, MS, 39503
  • At Gulf South Mortgage, you are more than just a number to us. We are locally owned and offer unmatched customer service by providing a more personal experience. Our staff will guide you from the initial consultation through the loan closing. You will experience an open line of communication
  • Gulf Coast Community Federal Credit Union
  • 12364 Highway 49, Gulfport, MS, 39503
  • At Gulf Coast Community Federal Credit Union, we want to know what our members have to say. So if you have questions, comments, constructive feedback, or praise, don't be shy! Give us a call, swing by, or contact us via email using this handy form. We offer a wide range of financial services to help you chase your dreams with confidence
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  • The Crew Lending 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
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  • Salter Mortgage Group, or SMG Mortgage as many of you know us, has been serving customers with home loans since 2007 and enjoyed steady growth every year in one of the toughest markets in our lifetime. We believe this growth is due to a team who is committed to providing our clients with the highest quality financial services combined
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  • At Mortgage Xpress we take that responsibility very seriously. You can rely on our honesty and the strong desire to exceed your expectation and go beyond call of duty to deliver the results you are looking for. We offer Conventional loans, Adjustable rate loans (ARM), Jumbo loans, FHA, VA and USDA 100% loans, First time home buyer loans
  • Reverse Mortgage Alabama
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