USDA and FHA Pro and Con in Sun-City-Center, Hillsborough County, FL

In 2025, the USDA loan limit for Sun-City-Center, in the county of Hillsborough, FL, is $285,000, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates. Discover the income, credit requirements, reserves, and documents necessary to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, helping you decide which program suits your financial needs best in .

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2025 Loan Limits and Down Payment Requirements in Sun-City-Center, Hillsborough County, FL

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

Options for USDA and FHA Loans in Sun-City-Center, FL

Lendersa® aims to provide you with the optimal USDA or FHA loan quickly and without any difficulties. Select one of the three starting points to connect with the right lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

The USDA home loan, assured by the Department of Agriculture, is also known as the USDA rural development loan or mortgage, and it is specifically available for rural areas. In contrast to FHA loans that necessitate a minimum 3.5% down payment, USDA loans do not require any down payment.

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



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  • 2910 Meredyth Drive, Albany, GA, 31721
  • Flint Community Bank opened its doors in early 2006 with a straightforward goal: to build a bank based on customer relationships. In order to make that goal a reality, we knew from the start that we would have to deliver on our promise of local decisions made in a timely manner with unforgettable customer care.
  • Artesian City Federal Credit Union
  • 100 Flint Avenue, Albany, GA, 31701
  • Artesian City Federal Credit Union was founded in 1950 on the credit union principle of “people helping people”. For more than fifty years, we have existed solely for the purpose of serving our members’ best interests. This focus on members instead of profits allows us to offer a full range of financial services specifically designed.
  • Albany Community Together Inc
  • 230 S. Jackson Street, Suite 333, Albany, GA, 31701
  • Albany Community Together, Inc. (ACT!) was created in 1997 with the primary mission to create opportunities by helping low-wealth individuals who are not served or underserved by traditional financial institutions to build wealth through small business ownership and access to capital. ACT’s mission has evolved to building wealth
  • Glennville Bank
  • 102 East Barnard Street, Glennville, GA, 30427
  • In 1904, a group of citizens from Glennville, Tattnall County, GA and the surrounding community recognized the need for a local bank. On March 13, 1905, after acquiring property and erecting a building at the downtown corner of Barnard and Caswell Streets, Glennville Bank was officially opened.
  • Peoples Bank of Graceville
  • 5306 Brown St, Graceville, FL, 32440
  • we provide local, convenient financial services to our customers and community. We offer a variety of financial services to our customers in Graceville and the surrounding communities. We will always strive to provide the very best banking with a small town, know your customer perspective of building customer relationships. We are banking on servic
  • The Merchants & Citizens Bank
  • 6 College Street, Mc Rae Helena, GA, 31055
  • Located in McRae-Helena, Telfair County, Georgia, The Merchants & Citizens Bank has been the "hometown" bank of choice since 1929! We are proud of that record. We are also proud to be a part of the "Crossroads Community". As such, we are privileged to offer our customers that small bank experience while ever expanding their banking needs.
  • Mercy Federal Credit Union
  • 11705 Mercy Blvd, Savannah, GA, 31419
  • Mercy Federal Credit Union was chartered on April 12, 1976 with fourteen employees of St. Joseph Hospital being the charter members. They elected a board of directors, a supervisory committee and a credit committee and began accepting members. To provide personal, professional service while offering a variety of products
  • HARBOR MORTGAGE COMPANY
  • 785 King George Boulevard, Suite 201, Savannah, GA, 31419
  • Harbor Mortgage Company, has been working in finance since he graduated from the University of Alabama in 1992 with a degree in corporate finance and investment management. After spending nearly a decade helping clients finance and invest in properties, Mr. Soderlind opened Harbor Mortgage Company in 2001.
  • Community South Credit Union
  • 1720 S Waukesha St, Bonifay, FL, 32425
  • Start your lifelong financial partnership with a credit union that is dedicated to serving its community and its members. Come catch the good life and see what good natured banking is all about!credit union that is dedicated to serving its community and its members. Come catch the good life
  • First State Bank of Blakely
  • 2213 South Main Street, Blakely, GA, 39823
  • First State Bank of Blakely¹ was originally chartered in 1903 under the name First National Bank of Blakely and has operated continuously in Early County since its inception. The bank was owned and operated under the direction of Mr. S. G. Maddox, Sr. until his retirement in 1993.
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  • 2526 West Main Street, Dothan, AL, 36301
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