USDA VS FHA in Temple-Terrace, Hillsborough County, FL

For the year 2025, the USDA loan limit within Temple-Terrace, county of Hillsborough, FL stands at $285,000. On the other hand, the FHA limit for a single-family dwelling is $356,362.

Make use of the Lendersa® USDA loan calculator to contrast the best rates for USDA against FHA available today, and to ascertain the income, credit, reserves, and paperwork required for qualification. By employing our advanced mortgage calculator, you are able to assess USDA, FHA, Conforming, and VA options side by side, assisting you in determining the most appropriate program in Alabama for your specific financial condition.

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2025 Loan Limits and Down Payment Requirements in Temple-Terrace, County of Hillsborough, FL

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

Discover USDA and FHA Loan Alternatives in Temple-Terrace, FL

The mission of Lendersa® is to help you find the best possible USDA or FHA loan quickly and with minimal stress. Opt for one of three starting methods leading to matched lenders and USDA loan programs tailored for you.

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Understanding USDA Loans in FL

A USDA home loan is government-backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is available solely in rural areas. This contrasts with FHA loans which necessitate a minimum down payment of 3.5%, whereas a USDA mortgage requires none.

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



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