USDA and FHA Pro and Con in Town-'n'-Country, Hillsborough County, FL

In 2026, the USDA loan limit for Town-'n'-Country, in Hillsborough county, FL, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to assess today’s leading USDA and FHA rates. Discover the requirements for income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator contrasts USDA, FHA, Conforming, and VA loans side by side, helping you select the best option in for your financial needs.

Compare offers from 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Town-'n'-Country, County of Hillsborough, FL

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

USDA and FHA Loan Options in Town-'n'-Country, FL

Lendersa® aims to quickly secure you the best USDA or FHA loan without any hassle. Choose from one of three starting methods to be matched with lenders offering USDA programs.

Lendersa USDA loan request and match results

Understanding USDA Loans in FL

The USDA home loan, insured by the Department of Agriculture, also known as the USDA rural development loan or mortgage, is designated for rural areas only. Unlike FHA loans which require a down payment of at least 3.5%, USDA loans require none.

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



  • Birchwood Hard Money Tampa Fl
  • 800 E Baker St, Tampa, FL, 33603
  • Our goal is to create long term relationships with our clients. As a long standing hard money lender in Tampa, Florida, our track record speaks for itself: many satisfied and successful clients.We also provide free consulting services to our customers.When it comes to hard money lending in Tampa, Birchwood is the easiest and cheapest to work with.

  • Flagship Bank
  • 29750 US Highway 19 North, Suite 100, Clearwater, FL, 33761
  • Flagship Bank was founded by a local Board of Directors, owned by committed local shareholders & operated by successful, local bankers with deep roots in our community. As a community-based bank, Flagship Bank is committed to renewing former relationships and building new relationships by catering to the financial needs of owner managed businesses

  • Lewin & Associates
  • 2737 Westchester DR N, Clearwater, FL, 33761
  • Lewin & Associates, Inc. was established in 1996 by President and founder Michael A. Lewin, Investment Advisor Representative. Michael has worked in the financial services industry for over 25 years. Lewin & Associates, Inc. specializes in financial planning and mortgages. We work to help people with savings plans

  • Fidelity Funding Mortgage Corp
  • 759 SR 580, Suite 114, Clearwater, FL, 33761
  • We’re a Florida-based direct lender specializing in both traditional and non-traditional financing options.

    We understand the Florida marketplace and have created a lending platform to serve the unique needs of homebuyers here in the Sunshine State.

    Our branch office is located in Clearwater, FL. Our home office is located in Maitland, FL

  • Professional Mortgage Alliance LLC
  • 28870 US Highway 19 North, Suite 320, Clearwater, FL, 33761
  • At Mortgage Alliance, LLC, (PMA) was founded in 2014 by its President and CEO Mr. Michael L. Banner. We operate in Florida and New Jersey
    Mr. Banner brings 36 years of mortgage experience to the table and has established PMA as a premier mortgage company offering Fannie Mae, Freddie Mac, FHA, VA and Reverse Mortgages.

  • O.J. MORTGAGE COMPANY INC.
  • 29190 US Hwy 19 N, Clearwater, FL, 33761
  • OJ Mortgage Inc. do business the old fashioned way – one by one, family by family. We understand that obtaining a mortgage is one of the most important decisions many of us will ever make and it is our duty to make sure that you make the right one for you and your family. We will always provide you with the mortgage program that’s right for you

  • Elevated Financial
  • 8270 Woodland Center Boulevard, Tampa, FL, 34685
  • We are a Direct Hard Money Lender! We are experts at funding creative deals that other lenders wont! We fund residential and commercial deals. We offer 100% financing for residential fix and flip loans and can close quick! No appraisals required on most loans. Call us today for a loan quote!

  • Florida Home Loan Centers
  • 4612 Ayron Terrace, Palm Harbor, FL, 34685
  • "Florida Home Loan Centers helping renters achieve home-ownership every day! Whether your 1st home or your 5th, we're here to partner with you and be at your side every step of the way!
    How we make a difference:



    - Zero Administration Fees

    - Zero Processing Fees

    - Zero Escrow Waiver Fees

    - Zero Notary Fees

  • Palm Harbor Mortgage Advisors, Inc
  • 3964 Mullenhurst Dr, Palm Harbor, FL, 34685
  • "We work with Families, 1st time homebuyers and the Self-employed who want to build Wealth for the long term through Home Ownership.
    Family owned and operated with over 20 years experience.
    Are you or someone you know needing mortgage advice? Contact us.At Palm Harbor Mortgage Advisors, ""You can take your dream home, home today.”"

  • LoanLocker
  • 401 E Jackson St, Tampa, FL, 33602
  • Introducing LoanLocker: where speed meets flexibility in private lending. We specialize in funding both residential and commercial projects swiftly and efficiently. Ideal for investors and developers, our custom solutions are designed to meet diverse needs. With expert guidance and personalized services, LoanLocker ensures your projects are funded

  • LoanLocker
  • 401 E Jackson St, Tampa, FL, 33602
  • Experience the speed and reliability of LoanLocker, a leading direct lender based in Tampa. Specializing in nationwide residential and commercial bridge loans, we offer tailored lending solutions including DSCR and ground-up construction for residential needs, along with mobile home and multifamily living assets for commercial ventures. Discover sw

  • Business Loan Solutions
  • 601 S Harbour Island Blvd, Suite 109, Tampa, FL, 33602
  • Business Loan Solutions is a diversified loan service company which provides a broad array of loan services countrywide to help companies receive the money they need to improve their sales, operating efficiency and for growth. The company provides several business loan programs including: lines of credit, business acquisition.