USDA Vs. FHA Pro and Con comparison in Southgate, Sarasota County, FL

In 2025, the USDA loan limit in Southgate, county of Sarasota, FL is $400,000, while its FHA counterpart is $506,000 for a single-family home.

Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today. Determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA programs, helping you choose the optimal option for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Southgate, Sarasota, FL

Loan Type Loan Limit Down Payment
USDA $400,000 0%
FHA $506,000 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Southgate, FL

The aim at Lendersa® is to help secure the best USDA or FHA loans efficiently and with ease. Choose from three pathways that connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, backed by the Department of Agriculture, also called a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none.

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



  • First National Bank of Huntsville
  • 1300 11th Street, Huntsville, TX, 77340
  • On January 14, 1890, Gibbs National Bank, now First National Bank of Huntsville (FNBH), opened its doors for business on the downtown square in Huntsville, Texas. Prior to 1890, the Gibbs Family provided banking services to the citizens of Huntsville through the family mercantile business that was opened in 1841.
  • Home Savings Bank, FSB
  • 202 Elm Street, Ludlow, KY, 41016
  • Home Savings Bank is located on Elm Street in Ludlow, KY just minutes from downtown Cincinnati. We specialize in real estate lending and offer many deposit solutions. Home Savings Bank, FSB is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public.
  • Coleman Mortgage Company
  • 210 Jetway Blvd, Clinton, AR, 72031
  • Coleman Mortgage Company is located in Matagorda, TX, United States and is part of the Other Financial Investment Activities Industry. Coleman Mortgage Company has 10 total employees across all of its locations and generates $431, 035 in sales (USD). (Sales figure is modelled). Licensed in Texas and Arkansas
  • All Home Mortgages LLC
  • 4240 Airport Rd, Suite 101, Cincinnati, OH, 45226
  • All Home Mortgages LLC is a Cincinnati based mortgage company. It's goals are to provide great rates, service, and communication to it's clients and referral partners. Whether looking to refinance or purchase, we will work hard to get you a great deal on your mortgage and educate you on the process.
  • Lovelady State Bank
  • 910 S Commerce St, Lovelady, TX, 75851
  • Lovelady State Bank was founded in 1974 with local ownership and management and has been a cornerstone of this community’s economic life since its inception. The primary mission of Lovelady State Bank is to provide Lovelady and the surrounding community with a sound, safe, locally owned financial institution.
  • Cincinnati Ohio Credit Union
  • 959 W 8th Street, Cincinnati, OH, 45203
  • Cincinnati Ohio Police Federal Credit Union is a not-for-profit, full-service financial institution serving Police Officers, Firefighters, Public School and Government employees. COPFCU was started on June 27, 1935 during the Great Depression to serve Cincinnati Police Officers and their families.
  • Local Union 392 Federal Credit Union
  • 1228 Central Parkway, Room 302, Cincinnati, OH, 45202
  • Our Credit Union is a member owned not-for profit organization aimed at assisting our members. We strive to provide innovative products and personalized service to help members achieve their financial goals. The credit union was establised to receive and manage the vacation fund contributions for members of the Pipe Fitters Local Union No. 392.
  • BlueMark Capital, LLC
  • 700 Walnut Street, Suite 300, Cincinnati, OH, 45202
  • BlueMark Capital is a full service commercial mortgage banking firm with offices in Cincinnati, Dayton, and Cleveland, Ohio. BlueMark originates, closes, and services a loan portfolio in excess of $1.4 billion. In addition to having CMBS and agency relationships, the company exclusively represents more than 20 Life.
  • JT Capital Advisors
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  • The Peoples Bank
  • 100 N. Main St., Brownstown, IN, 47220
  • Originally chartered in 1919 as the Brownstown Loan and Trust Company, The Peoples Bank was formed in 1965 with the merger of the Brownstown Loan and Trust Company and the First National Bank of Brownstown. The Peoples Bank remains a locally owned community bank serving all of Jackson County with offices in Brownstown, Crothersville and Seymou
  • Nexa Mortgage LLC
  • N/A, Magnolia, TX, 77355
  • Transform your home buying dreams into reality. We offer personalized mortgage solutions tailored to meet all financial needs. Whether you're a first-time buyer or looking to refinance, our expert team, led by industry professional Michelle Lee Zamora, ensures seamless transactions. Contact us at 346-816-1900 or [email protected] for unpara
  • Upward Home Loans
  • 14319 Timbergreen Drive, Magnolia, TX, 77355
  • Upward Home Loans, you will be our client for life. We believe that it’s our responsibility to assist you in managing the largest indebtedness that you’re ever going to take on in your life. Most people that do what I do for a living, provide you with the debt and then you don’t ever hear from them again, they walk away after they’ve gotten paid.