USDA VS FHA in University, Hillsborough County, FL
In the year 2026, the USDA loan limit in University, located in Hillsborough county, FL, is set at $336,500, whereas the FHA limit for a single-family residence is $472,030.
To determine the best current rates and qualification requirements, use the Lendersa® USDA loan calculator for a comparison between USDA and FHA. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side-by-side to help decide which program in best suits your financial needs.
Loan Limits and Down Payment Requirements for 2026 in University, Hillsborough, FL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in University, FL
The primary goal of Lendersa® is to quickly and conveniently secure the best USDA or FHA loans for you. Choose from three starting options to find matching lenders and relevant USDA loan programs.
The USDA home loan, guaranteed by the government through the Department of Agriculture, is also known as the USDA rural development loan or mortgage, available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require no down payment.
Century Bank of Florida was established to be a locally owned community bank, serving the financial needs of individuals, not-for-profit organizations. Our mission is to make a profit for the shareholders, provide personalized quality financial services at competitive prices, and to maximize earnings, while operating in a safe and sound manner.
USF Federal Credit Union, we realize that everyone needs a little help every now and then, and that’s what we’re all about. We’re here to help University of South Florida’s faculty, staff, students, alumni association members and their families with their financial needs. We’ve been helping people since 1959.
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.
First Citrus Bank is the #1 community bank in Florida and top 100 nationwide (American Banker, 2021), supporting local businesses, families and individuals to help them become financially secure and economically successful over the course of 22 years. First Citrus Bank was established in 1999 and is headquartered in Tampa.
14502 North Dale Mabry Highway, Suite 200, Tampa, FL, 33618
Lends in Florida
Home Mortgage Lenders, Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available.
14502 N Dale Mabry Hwy, Suite 132, Tampa, FL, 33618
Lends in Florida
Welcome to Onboard 1 Mortgage, where we specialize in residential mortgages. At Onboard 1 Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
14497 North Dale Mabry HWY. Suite 201N, Tampa, FL, 33618
Lends in Florida
"EMM Loans LLC provides home loan products and services that support sustainable homeownership. EMM Loans LLC is committed to: ● Competitive Pricing, Products and Programs ● Open Communication and Teamwork ● Supporting our Employees’ Professional Growth etc..
"Established in 2004, Innovative Mortgage Services, Inc. has provided service throughout the southeastern United States. Innovative is a licensed lender in Florida, Tennessee, and Alabama. Innovative Mortgage Loan Originators are known as “Innovators” because of their opportunity to efficiently"
EMM Loans LLC, you will find a supportive, engaging lender who cares about providing excellent service to our customers and teammates alike. Our company’s highest priority is to emphasize showing our appreciation for hard work. Our culture creates an atmosphere of client trust, where employees can truly enjoy coming to work every day.
