USDA VS FHA in Sugarmill-Woods, Citrus County, FL

In the year 2026, the USDA loan limit for Sugarmill-Woods, positioned in Citrus county of FL, is set at $285,000. In contrast, the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator for a side-by-side comparison of today's best USDA and FHA rates, helping ascertain the necessary income, credit, reserves, and documents for qualification. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, aiding you in choosing the most fitting option for your financial circumstances in .

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2026 Loan Limits and Downpayment Requirements in Sugarmill-Woods, County of Citrus, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Solutions in Sugarmill-Woods, FL

Lendersa® is dedicated to obtaining the best USDA or FHA loan promptly and effortlessly. Select one of three initial strategies connecting you with lenders and the most beneficial USDA loan programs.

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Understanding USDA Loans in FL

The USDA home loan is guaranteed by the government’s Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It is offered exclusively in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages are available with no down payment, providing greater accessibility to potential buyers.

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



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  • Mango Mortgage Corp is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
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  • Plum Creek Funding has been serving the mortgage needs of homeowners and businesses in Colorado for over 25 years. At Plum Creek Funding, we understand that the process of securing a mortgage can be intimidating. That’s where our experienced mortgage brokers truly make a difference.
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  • Modlending, Inc. is an equal housing opportunity mortgage company. We are pledged to the letter and spirit of the United States policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing.
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  • NestInvest Home Loans is a wholesale mortgage brokerage. We can help you find the right loan program through our network of lenders and we'll guide you throughout the process. Our mission is to serve our customers with honesty, integrity and competence. Furthermore, we pledge to help borrowers overcome roadblocks that can arise.
  • KC Mortgage LLC
  • 504 Perry Street, Unit B, Castle Rock, CO, 80104
  • With over 30 years experience, Kay is the local expert to help you find the best option and rate, whether you just bought a new home or are refinancing your current home. KC Mortgage is a one-stop shop for all your mortgage needs in Colorado. Contact Kay today to schedule your free consultation.
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  • Northwestern Bank is a fourth generation, family owned and operated bank serving Dilworth residents the way we’d want to be served. We offer full banking services for businesses, individuals and our agricultural community. Whether you’re looking for a mortgage lender to purchase your first home or a commercial loan, we can assist you.