USDA VS FHA in South-Sarasota, Sarasota County, FL

In 2025, USDA loan limit in South-Sarasota, county of Sarasota, FL is $338,500 while FHA limit is $356,362 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 South-Sarasota, county of Sarasota, FL

Loan Type Loan Limit Down payment
USDA $338,500 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in South-Sarasota, 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?



  • Tri-Star Home Loans
  • 2335 Foothill Boulevard, Suite 5, Upland, CA, 91786
  • Tri-Star Home Loans opened it's doors at the current Upland location in 2004. In 2005, through hard work and an excellent standing with our multiple bank sources, we obtained our FHA approval. Tri-Star continued to grow and was able to sustain the massive changes to the economy and mortgage market due to our dedication
  • TDR Mortgage
  • 188 E D Street, Upland, CA, 91786
  • TDR home loan mortgage company is a trusted provider of home loan mortgages and home refinance Compare mortgage rates on a home refinance, VA loans, FHA loans, Jumbo loans, conventional loans, reverse loans, first time buyer home loans, USDA loans, CalHFA loans. We serve southern California.
  • Allied Equity
  • 400 North Mountain Avenue, Suite 223, Upland, CA, 91786
  • ALLIED EQUITY specialize in FHA Loans, Conventional, Jumbo Loans and Self-employed Business Bank statement Loans. We are fully licensed and serve all of the State of California. Whether you are buying a home or refinancing within California, we can help you realize your dream of homeownership or save you money.
  • Full Circle Home Loans
  • 99 C St Suite 200, Upland, CA, 91786
  • Full Circle Home Loans is here to provide you with the very best experience with buying or refinancing your home.We will deliver excellent service, up to the minute communication, and education from beginning to end. We are 24/7 available by phone, text, or email. Full Circle Home Loans is setting a new standard of quality in the mortgage industry.
  • Spinnaker Loans
  • 123 E. 9th St #301, Upland, CA, 91786
  • Spinnaker Loans is a premier private money lender specializing in the financing of investment real estate for developers across Southern California. Since inception, Spinnaker has been involved in numerous and profitable residential lending transactions with both, developers and investors looking to invest in real estate.
  • United Equity Finance and Realty
  • 24302 Del Prado, Dana Point, CA, 92629
  • The scope of my real estate finance purview extends to originating primarily both HECM and private jumbo reverse mortgages. Additionally as a realtor my focus is in assisting homeowners both buy and sell in Greater Los Angeles. My goals in effort to best support my clientele are to extend my network of real estate finance professionals including bo
  • Bydand Home Loans
  • 34270 Pacific Coast Highway, Suite A, Dana Point, CA, 92629
  • Bydand is a home finance company that invests in team members to educate & empower their clients, allowing us to custom tailor solutions that exceed their expectations. We are committed to our clients & will work tirelessly to ensure we meet their home financing goals. To provide steadfast solutions tailored to accomplish our clients goals.
  • First American Capital Real Estate Services, Inc.
  • 24040 Camino Del Avion, A152, Dana Point, CA, 92629
  • First American Capital Real A diverse company starting out as a Mortgage Broker, then transitioning to a Mortgage Banker. As a Real Estate Company and Lender our goal is to help Stabilize Neighborhoods. We have an A-Z solution to dispose of assets via Traditional and Alternative liquidation processes.
  • Laguna Sierra Mortgage Group
  • 33971 Selva Road, Suite 120, Dana Point, CA, 92629
  • Laguna Sierra Mortgage Group Helping clients and loan officers navigate the maze of underwriting guidelines and governmental regulation facing the mortgage industry. LSMG adeptly serves the sophisticated, executive-level homeowner and the excited first-time buyer with equal consideration.
  • Beach Cities Capital
  • 24641 La Cresta Drive, Suite A, Dana Point, CA, 92629
  • Beach Cities Capital With almost two decades of experience we put our expert knowledge into action for your refinance or home purchase loan. We have access to the latest technologies and wholesale lending sources to deliver exceptional interest rates in record time. Our focus and commitment is on your satisfaction and delivering our best.