USDA and FHA Pro and Con in Venice-Gardens, Sarasota County, FL
As of 2026, in Venice-Gardens, within Sarasota county, FL, the USDA loan limit stands at $338,500, whereas the FHA limit is set at $356,362 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans. Determine the income, credit score, reserves, and necessary documentation required to qualify. Our enhanced mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program for your financial situation in .
Loan limits and down payment requirements for 2026 in Venice-Gardens, within Sarasota county, FL
Loan Type
Loan Limit
Down Payment
USDA
$338,500
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA loans in Venice-Gardens, FL
The primary aim of Lendersa® is to facilitate obtaining the best USDA or FHA loan swiftly and with ease. Begin with one of three options that effectively guide you to matching lenders and USDA loan plans.
A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is backed by the government. It is available only in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans need no down payment at all.
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