USDA and FHA Pro and Con in The-Villages, Sumter County, FL
During 2026, the USDA loan limit in The-Villages, in the county of Sumter, FL, is set at $285,000, whereas the FHA limit for single-family homes reaches $356,362.
Make use of the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates. Determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you decide the best program in for your particular financial situation.
2026 Loan Limits and Down Payment Requirements in The-Villages, County of Sumter, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in The-Villages, FL
The aim of Lendersa® is to connect you with the best USDA or FHA loans quickly and effortlessly. Begin with one of the three available pathways to match with lenders that offer suitable USDA programs.
A USDA home loan, supported by the Department of Agriculture and also known as a USDA rural development or USDA mortgage, is designated for rural areas only. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment, offering an attractive option for eligible buyers in these regions.
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