USDA Vs. FHA Pro and Con comparison in Vamo, Sarasota County, FL

In 2025, USDA loan limit in Vamo, county of Sarasota, FL is $400,000 while FHA limit is $506,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Vamo, county of Sarasota, FL

Loan Type Loan Limit Down payment
USDA $400,000 0%
FHA $506,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Vamo, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Reliant Home Funding, Inc
  • 445 Broad Hollow Rd, Suite 334, Great Neck, NY, 11747
  • Reliant Home Funding is a tried and true mortgage lender serving clients nationwide. We understand that owning a home is a big deal – and you deserve the right home loan for the job. That’s exactly what we’re committed to providing and We are uniquely positioned on the wholesale mortgage market to provide our clients.
  • Kendall Bank
  • 11225 College Blvd, Suite 150, Overland Park, KS, 66210
  • For more than 120 years, Kendall Bank has been dedicated to helping individuals, families, and businesses achieve their financial goals. Today, we remain committed to providing every customer with an exceptional all-inclusive banking experience that combines big-bank expertise and technology
  • Caffrey & Co LLC
  • 11225 College Blvd, Suite 125, Overland Park, KS, 66210
  • Caffrey & Company LLC is a full service commercial mortgage broker who will work for you to achieve your commercial real estate financing goals. We specialize in commercial real estate loans from $1, 000, 000 and up for acquisition or refinancing of Apartment Building Loans, Shopping Centers Loans, Mixed-use, Office Building Financing etc.
  • DLA Capital Partners Inc.
  • 125 Froehlich Farm Boulevard, Woodbury, NY, 11797
  • DLA Capital Partners sets itself apart with truly excellent customer focus, marketplace knowledge and resourcefulness needed to deliver optimum results. We put power in our clients’ hands and are driving the process from beginning to end to ensure the best options, decisions and outcome possible. We deliver results, not excuses
  • FIRST FEDERAL BANK of KANSAS CITY
  • 6900 N. Executive Drive, Kansas City, MO, 66210
  • We are First Federal Bank of Kansas City, and our mission is helping the people and communities we serve build a brighter financial future. That means being the community banking leader in providing customer-focused products, insight and encouragement. It's a purpose bigger than profit. By promoting the power of homeownership
  • Mortgage Enterprises
  • 10955 Lowell, Suite 510, Overland Park, KS, 66210
  • At Mortgage Enterprises. We are a professional mortgage company in Kansas and Missouri specializing in residential mortgages. We find loans that fit the goals of each client. We have highly skilled loan officers who know what it takes to get through underwriting quickly while keeping you informed of your process every step of the way.
  • Himalaya Mortgage
  • 11881 West 112th Street, Overland Park, KS, 66210
  • 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.
  • Kendall Mortgage
  • 11225 College Blvd, Suite 100, Overland Park, KS, 66210
  • At Kendall Mortgage, we make the entire home buying process simple & seamless. Whatever your goals, we provide you with the information, resources, & personal service you need to make your home buying dream a reality. Our mission is to provide unparalleled service to our clients. Our goal is to provide home loans with the lowest interest rates.
  • United Mortgage
  • 9393 W 110th St, Suite 350, Overland Park, KS, 66210
  • Established in 2007, United Mortgage has been recognized as one of the fastest-growing private companies in America and is now considered a premiere purchase lender, currently serving Arizona, California, Colorado, Florida, Iowa, Kansas, Missouri, Oregon, Texas, and Washington. At United Mortgage,