USDA Vs. FHA your options comparison in Wesley-Chapel, Pasco County, FL
In 2026, the USDA loan limit in Wesley-Chapel, within Pasco, FL, is set at $285,000, while the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate the best USDA vs. FHA rates today, determining the income, credit, reserves, and documents necessary for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options to help you decide which program is the most suitable for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Wesley-Chapel, Pasco, 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 Wesley-Chapel, FL
The goal of Lendersa® is to promptly connect you with the best USDA or FHA loan. Pick one of three pathways to find compatible lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture—known as the USDA rural development loan or mortgage—is available only in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans do not require any down payment.
The National Bank of Texas has maintained the same long-term vision. We are a locally owned, independent, community bank that understands the needs of the area and communities we serve. We provide prompt, courteous service, and always strive to establish long-term relationships with our customers.
Northeast Regional Credit Union is a non-profit organization owned and operated by its members for the benefit of all who belong.
Any employee who works at one of our select employee groups is able to belong. Family members of those employees are also eligible. Our eligible employee groups are listed below.
Community First Credit Union was chartered in July of 1952 in the state of Missouri originally as Division #3 Highway Credit Union, and serves anyone who lives or works in Marion and Ralls Counties.
Immediate family members of existing members are also eligible to gain membership in the credit union.
HNB Bank, n.a. was originally organized in May1888 as the Bank of Hannibal. The building on the corner of Main & Broadway in Hannibal, Missouri was constructed in 1889 and today, remains the bank’s corporate headquarters. In 1903 the bank applied for and was granted a national charter and became Hannibal National Bank.
F&M Bank is truly a neighborhood, hometown, community bank with locations in Hannibal and Monroe City. Founded in 1870 by the friends and family of Mark Twain, we are the area’s oldest locally-owned community bank. We are proud to be celebrating our 150th year of providing our customers a wide range of banking services.
SouthStar Bank, S.S.B. (headquartered in Moulton, TX) specializes in residential mortgage, real estate, and construction lending, operating 15 full-service branches across the Central Texas region. Established in 1920, the bank holds over $1 billion in assets and focuses on community involvement and personal relationships.
We strive to get the best deal as we are partnered with the largest wholesale lenders. Our Traditional products include Conventional, Jumbo, FHA, VA, & USDA loans. Market-leading pricing means we can offer you some of the lowest rates available. Residential Mortgage Brokerage with the Nation Largest Lender can give you the best competitive rates
If you are a consumer needing a Mortgage Loan you can rely on DiversiFund Texas, LP for an honest evaluation of your specific, personal situation. We won’t try to talk you in to a mortgage that is not in your best interest. Many of our best customers began with a long term plan. Kevin Gahagan founded DiversiFund in 1989
340 Blue Mound Road, Suite 342, Fort Worth, TX, 76131
Member Preferred began in 1935 with a vision to serve the employees of the St. Louis San Fancisco (or Frisco) Railway in Texas.While the name of the railroad has changed from Burlington Northern Railroad in 1981 to the Burlington Northern Santa Fe Railroad in 1995, our mission has stayed the same.
