USDA Vs. FHA your options comparison in Spring-Hill, Hernando County, FL
As of 2025, the USDA loan limit for Spring-Hill in the county of Hernando, FL is set at $285,000. Meanwhile, the FHA cap for single-family homes is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates. This tool helps identify the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, guiding your decision on the best option within .
2025 Loan Limits and Downpayment Requirements for Spring-Hill, County of Hernando, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Choices in Spring-Hill, FL
Lendersa® is committed to helping you secure the most advantageous USDA or FHA loans quickly and simply. Choose from three starting options to find matching lenders and appropriate USDA programs.
The USDA home loan is a government-backed mortgage, also known as the USDA rural development loan, available exclusively in rural areas. Unlike FHA loans which require a 3.5% down payment, USDA mortgages require no down payment at all.
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