USDA Vs. FHA your options comparison in St.-Petersburg, Pinellas County, FL

In 2025, USDA loan limit in St.-Petersburg, county of Pinellas, FL is $0 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 St.-Petersburg, county of Pinellas, FL

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

USDA and FHA loan options in St.-Petersburg, 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?



  • Fannin County Teachers Federal Credit Union
  • 621 N Center Street, Bonham, TX, 75418
  • Fannin County Teachers FCU (FCTFCU) has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, FCTFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.
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  • 214 S. Commercial, Crocker, MO, 65452
  • The Bank of Crocker recognizes e-mail as a simple method of communication and inquiries requiring immediate attention should NOT be sent by e-mail. A Bank representative may not be available to immediately review your message. E-mail messages will not serve as a sufficient method for any requirement imposed on you to provide written notice.
  • Franklin Johnstown Federal Credit Union
  • 310 Bloomfield Street, Johnstown, PA, 15904
  • The Franklin Johnstown Federal Credit Union is a Not-For-Profit, member owned, financial organization dedicated to becoming the primary financial institution for our members. We strive to provide the highest quality of personal attention while maintaining stability and growth. Franklin Johnstown Federal Credit Union has been open since 1950.
  • Hancock County Savings Bank
  • 351 Carolina Avenue, Chester, WV, 26034
  • The state-chartered Hancock County Building and Loan Association was founded on December 31, 1899; and it granted its first mortgage loan in the amount of $1, 000 in 1900. In 1934, the company obtained its federal banking charter and then converted to a federal mutual bank charter in 1991.
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  • 1010 Delafield Road, Pittsburgh, PA, 15215
  • The VA Pittsburgh Employees FCU was established in 1954 as a not-for-profit or charity organization. We stand for the service, mutual financial well-being and opportunity for our members. Today our mission statement remains the same and our vision is to strive to be our members' institution of choice for comprehensive financial services.
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  • 111 Franklin Street, Room 224, Johnstown, PA, 15901
  • G.A.P. FCU originally started out as Cambria County U.S. Employees Federal Credit Union in 1937. They operated out of a cash box on the first floor of the Johnstown Post Office building, and was renamed to Johnstown, PA Post Office Employees Federal Credit Union in 1941. Credit unions are focused on people, not profits.
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  • 216 Franklin St, Johnstown, PA, 15901
  • AmeriServ Financial, Inc., A bank holding company, is the parent of AmeriServ Financial Bank®, AmeriServ Trust & Financial Services Company, and West Chester Capital Advisors. AmeriServ Financial, Inc. trades on the NASDAQ Stock Exchange under the symbol ASRV. At AmeriServ, we believe banking is about more than money.
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