For the year 2026, within the city of Tampa, situated in Hillsborough county, FL, the USDA loan limit is established at $336,500, meanwhile, the FHA loan is capped at $472,030 for single-family homes.
You can utilize the Lendersa® USDA loan calculator to effectively compare current USDA and FHA rates. This will assist in determining the necessary income, credit score, reserve requirements, and documentation required for qualification. With our state-of-the-art mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding in your decision-making regarding the best program in for your specific financial conditions.
Details of 2026 Loan Limits and Down Payment Requirements in Tampa, County of Hillsborough, FL
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Tampa, FL
The mission of Lendersa® is to seamlessly secure the most competitive USDA or FHA loan options promptly and without undue complexity. Initiate your search by choosing from one of three starting points that correlate with lenders and USDA loan schemes.
The USDA home loan is a government-guaranteed financing option backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. This loan is exclusively available in rural areas. In contrast, FHA loans require at least a 3.5% down payment, whereas the USDA mortgage loan remarkably requires no initial down payment at all.
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