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

In 2025, 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.

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Loan Limits and Down Payment Requirements for 2025 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?



  • Clearwater Mortgage
  • 700 Cleveland St, Clearwater, FL, 33755
  • "Clearwater Mortgage is a family run business. Founded by Scott Chinchar (Scotty to most) and Sandy Chinchar, husband and wife, along with their son, Jesse Chinchar. Jesse is otherwise known as Coach Jesse, (of the getting more and more famous Clearwater Academy International Knights football team)."
  • Acopia Home Loans
  • 600 CLEVELAND STREET, SUITE 212, Clearwater, FL, 33755
  • Acopia's experienced loan advisors are committed to helping qualified borrowers realize their dream of home ownership by providing superior customer service and innovative products. We are mortgage banking professionals committed to making our communities a better place to live and work.
  • Pinellas Federal Credit Union
  • 10273 Ulmerton Rd, Largo, FL, 33771
  • Pinellas Federal Credit Union is committed to our mission of delivering quality personalized service to our members & communities through: Ensuring professionalism and integrity; Providing members with a safe and sound financial organization; Leveraging innovation to promote membership growth; and Developing an engaged and knowledgeable workforce.
  • Mortgage Pro
  • 1980 Summit Drive, Dunedin, FL, 34698
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Generation Mortgage
  • 8801 70th Way, Pinellas Park, FL, 33782
  • Generation Mortgage Associates LLC's headquarters is located in Pinellas Park, Florida. Generation Mortgage Associates LLC generates $363.5K in revenue per employee Generation Mortgage Associates LLC's main competitors are First Integrity, Yourmortgageshop and Fast Direct Lending
  • Melange Capital Investments LLC
  • 11007 North 56th Street, Suite 207, Tampa, FL, 33617
  • At Melange Capital Investments LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Tampa Postal Federal Credit Union
  • 15916 N. Florida Ave, Lutz, FL, 33549
  • Tampa Postal Federal Credit Union was founded by a group of USPS employees shortly after the Great Depression in 1941. Their goal was to create a financial institution where members and their financial dreams, not profits, were the focus.Today, Tampa Postal FCU continues this mission by providing a full range of financial services.
  • PowerNet Credit Union
  • 5619 Harney Road, Tampa, FL, 33610
  • PowerNet Credit Union is the largest labor-based credit union in Florida and serves the Building and Construction Trade local Unions and their members throughout the state since 1961. Membership is open to all Florida building and Construction unions, their members, retirees as pensioners or annuitants of said local unions
  • Suncoast Credit Union
  • 6801 E Hillsborough Ave, Tampa, FL, 33610
  • Suncoast Credit Union is the largest credit union in the state of Florida, the ninth largest in the United States based on membership, and the 10th largest in the United States based on its $12.6 billion in assets. Chartered in 1934 as Hillsborough County Teachers Credit Union, Suncoast Credit Union currently operates 74 full-service branches
  • SISTAR MORTGAGE COMPANY
  • 10150 Highland Manor Dr, Suite 200, Tampa, FL, 33610
  • Sistar Mortgage have today announced a partnership that will see the nationwide lender become the Presenting Partner of the upcoming series of Minor League Cricket Franchise Exhibition Matches. As part of the sponsorship, Sistar Mortgage will also have prominent branding on the playing shirts of all 24 Minor League
  • Integrity Financial Services
  • 13129 66th Street, Largo, FL, 33773
  • Integrity Financial Services is a full service residential and commercial lending company. Our staff of mortgage professionals are committed to 100% customer satisfaction. We understand our clients have choices for their mortgage needs. That is why we pride ourselves in a sound consultative approach to deliver the right loan program
  • DDA Mortgage Inc
  • 11701 South Belcher Rd, Suite 101A, Largo, FL, 33773
  • "DDA Mortgage Brokerage NMLS# 324326 Didier Malagies NMLS# 212566 Great partner to Realtors by offer a broad array of loans and outstanding service. FHA, FNMA, FHMC, VA, Conventional, HomePath, USDA, FHA 203k, Jumbo, Foreign, Construction, and more. 34 years of experience partnering with real estate professionals"