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.

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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?



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