USDA Vs. FHA Pro and Con comparison in St.-Petersburg, Pinellas County, FL
In 2026, the USDA loan limit for St.-Petersburg in the county of Pinellas, FL, stands at $0, while the FHA limit for a single-family residence is $356,362.
Use the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. This tool helps you identify the necessary income, credit rating, reserves, and documentation needed for qualification. Through our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most fitting program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in St.-Petersburg, 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
The objective of Lendersa® is to promptly connect you with the most suitable USDA or FHA loans without hassle. Select from one of three starting paths that align lenders with USDA loan programs for you.
The USDA home loan is a government-secured mortgage facilitated by the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, and is exclusive to rural communities. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment at all.
WatersEdgeMortgage, LLC is a broker located at 7873 3rd Ave S, St. Petersburg, FL 33707. We are a privately owned mortgage company doing business only in Florida. NMLS No. 948963
WatersEdge Mortgage, LLC has become known as providing among the lowest rates and costs in the industry and Florida’s most trusted mortgage broker.
1135 Pasadena Ave. S, Suite 101, Saint Petersburg, FL, 33707
Lends in Florida
Interim Capital Mortgage, LLC. is a Florida licensed Mortgage Broker Business specializing in residential loans. We have the knowledge and experience to be trusted with the financing for the most important asset you will ever own, your home. Our company has superior relationships with the top Wholesale lenders in the country,
Our company offers purchase home loans and refinance mortgage loan products tailored to fit your specific needs. If you're searching for a purchase mortgage or refinance loan, we can help you! Find answers quickly, browse through the helpful information, use the online calculators, answer a few questions.
Team Stapleton Home Loans LLC in St. Petersburg is the friendly mortgage lender with small-town values. Never hesitate to call us, even if you just want to ask a question or you’re not ready to start the home loan application process. Think of us as a neighbor who happens to know a ton about home loans. Of course, if you’re ready to get started.
1700 34th Street South, Saint Petersburg, FL, 33711
Lends in Florida
Total Mortgage Lending will work to get you the best rates and programs. We Pride ourselves on being committed to caring and putting our clients first and also first home is a major milestone in life but the process of obtaining a mortgage can feel a little bit overwhelming. The various paperwork, requirements.
Citrus Lending of Tampa Bay is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending of Tampa Bay will work with you to get you the financing you need
4359 35th Street North, Suite E5, Saint Petersburg, FL, 33714
Lends in Florida
1st Equity Capital Funding, Inc equityWhether the commercial real estate you are trying to finance is for a rate & term refinance due to a balloon coming due, a cash out refi, a note being called in, or an acquisition, we work in correspondence with many wholesale commercial mortgage lenders from Life Insurance Companies.
First Home Bank has been focused on being the premier bank of the Tampa Bay area. Headquartered in St. Petersburg, Florida, we’ve grown our independent community bank into a top nationwide SBA lender, with a nationwide team of more than 200 residential mortgage originators - but we never lose sight of our neighbors.
735 Arlington Avenue N, Suite 110, Saint Petersburg, FL, 33701
Lends in Florida
Bison Financial Group is an entrepreneurial firm advising real estate investors, developers and turn-around artists that buy, build, sell and finance commercial real estate. Bison has developed distinct expertise in the acquisition and finance of distressed properties with tremendous upside potential.
