In 2026, within Warm-Mineral-Springs, situated in Sarasota, FL, the USDA loan limit is $338,500, contrasting with the FHA limit, which is $356,362 when looking at a single-family home.
Leverage the Lendersa® USDA loan calculator to evaluate current top USDA versus FHA rates, determining the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA side by side, aiding in deciding which option in
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| Loan Type | Loan Limit | Down payment |
| USDA | $338,500 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to facilitate obtaining the best USDA or FHA loan swiftly and effortlessly. Choose one of three starting options that connect you with suitable lenders and USDA loan programs.
The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, enjoys a government guarantee from the Department of Agriculture. It is intended exclusively for rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA loan requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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