USDA VS FHA in Tarpon-Springs, Pinellas County, FL

In 2025, the USDA loan cap in Tarpon-Springs, located in the county of Pinellas, FL, stands at $0. Meanwhile, the FHA ceiling for a single-family residence is $356,362.

To evaluate the best rates between USDA and FHA loans today, utilize Lendersa®'s USDA loan calculator. This tool assists in assessing income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options, allowing you to choose the most suitable program for your financial scenario in Alabama.

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2025 loan limits and downpayment requirements in Tarpon-Springs, Pinellas, FL

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

Explore USDA and FHA loan solutions in Tarpon-Springs, FL

Lendersa® aims to secure the best USDA or FHA loans swiftly and effortlessly. Begin with one of three pathways to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan is a government-backed loan from the Department of Agriculture, often termed a USDA mortgage or rural development loan, applicable in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require none.

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



  • Savannah Postal Credit Union
  • 22 Ogletthorpe Professional Blvd, Savannah, GA, 31406
  • Savannah Postal Credit Union is a State-chartered credit union incorporated June 6, 1952. For more than 53 years we have existed solely for the purpose of serving our members' best interests. The credit union was originally established for employees of the United States Postal Service. Today we serve 10 employee groups in Savannah
  • American Financial Services Group
  • 7712 Waters Ave, Savannah, GA, 31406
  • American Financial Services is one of the oldest loan companies in Savannah. Our first office opened in 1956, and we still proudly serve people of Chatham County and the nearby towns sixty years later. In 2010, American Financial Services merged with Coastal Finance Company and relocated to the present location at 7712 Waters Ave, Savannah, GA.
  • COASTAL CUSTOM MORTGAGE, INC.
  • 340 Eisenhower DriveSuite 220, Savannah, GA, 31406
  • Based in Savannah, Georgia and serving surrounding areas, Coastal Custom Mortgage is a mortgage brokerage company that provides homebuyers and homeowners alike with the tools to plan for and achieve financial stability when it comes to real estate endeavors. No matter the client’s starting point
  • Eglin Federal Credit Union
  • 838 Eglin Pkwy NE, Fort Walton Beach, FL, 32547
  • Eglin Federal Credit Union has nine branches serving members in and around Okaloosa, Santa Rosa & Walton counties. The Credit Union serves active duty, retired military & local honorably discharged veterans; local civil service employees; employees of many area businesses; members living within our geographic field of membership; & their families.
  • Memorial Health CU
  • 901 East 65th Street, Savannah, GA, 31405
  • Memorial Health Credit Union is a 48 year-old not-for-profit financial cooperative established in 1972. Our team works hard for each & every member by answering interest rates questions, qualifying new members, assembling due diligence on loans, setting up customized savings accounts, establishing direct deposits and helping with new credit cards.
  • The Commercial Bank Of Ozark
  • 208 South Merrick Avenue, Ozark, AL, 36360
  • The Commercial Bank of Ozark was chartered in 1959 and has served the citizens of Ozark and Dale county to the present. Douglas Brown organized the bank because the financial needs for new construction were going unmet by the community's primary bank. Members of the initial board of directors included Douglas Brown, William C. Brown, etc
  • First Bank of Coastal Georgia
  • 250 West Bacon Street, Pembroke, GA, 31321
  • First Bank of Coastal Georgia is a full-service bank. The Bank provides savings account, debit and credit cards, loans, insurance, mobile banking, and other related products and services. First Bank of Coastal Georgia serves customers in the United States. We’re here to help with everything from opening new accounts to training you.
  • Savannah Schools FCU
  • 4673 US Highway 80 East, Savannah, GA, 31410
  • Membership in Savannah Schools FCU is an ongoing benefit to employees and associates of participating companies or groups. As a full-service financial institution, the credit union: Provides security for funds, with accounts insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. Offers a full line of fr
  • First Chatham Bank
  • 111 Barnard Street, Savannah, GA, 31401
  • Opening its doors on January 23, 2002, First Chatham Bank became the first community bank chartered in Chatham County since 1989. Since that time, First Chatham Bank has proven to be the premier community bank in the Coastal Empire. The Bank was a vision of local business leaders.
  • Georgia Heritage Federal Credit Union
  • PO Box 1920, Savannah, GA, 31402
  • At Georgia Heritage FCU, it’s all about you. Our mission is making a positive difference for our members and the communities we serve. As a not-for-profit organization, we put members first. We strive to maintain a one-on-one relationship with our members while providing them with a full line of financial resources.
  • InstaLoan
  • 15 Bull Street, Savannah, GA, 31401
  • At InstaLoan, we take the guesswork out of finding what the best loan is for you. Our friendly staff will review all of the different lending options with you. So whether you’re looking for a larger loan, a loan with easy payment options, or a loan where your credit score isn’t the primary factor in the approval process, InstaLoan can help
  • The GPA Credit Union
  • 102 Main Street, Savannah, GA, 31408
  • GPA Credit Union has been open since 1952. The GPA Credit Union is one of the oldest financial organizations in Savannah, Georgia. We exist to provide a high level of personal financial service and support for Georgia Ports Authority employees and their immediate families. This credit union is federally insured by NCUA.