USDA and FHA Pro and Con in Wesley-Chapel, Pasco County, FL

In 2024, USDA loan limit in Wesley-Chapel, county of Pasco, FL is $285,000 while FHA limit is $356,362 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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2024 loan limits and downpayment requirments in Wesley-Chapel, county of 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

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?



  • Lake Pointe Mortgage, L.L.C
  • 27735 Jefferson Ave, Saint Clair Shores, MI, 48081
  • 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 by utilizing the 23 years of experience.
  • Quontic Bank Holdings Corp
  • 1 Rockefeller Plaza, 9th Floor, New York, NY, 10020
  • Quontic is a Member FDIC bank, headquartered in New York City and located in a growing number of states. Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic’s disruptive banking platform reimagines traditional banking with adaptive lending and innovative deposit products.
  • Waring Investments
  • 125 Kingsland Avenue, Suite 201, Clifton, NJ, 07014
  • Waring Investments, Inc. was founded in 1991. Owners and principals, Morris and David Spector, have successfully led Waring since its inception and have over 50 years of combined experience in the hard money loan business. They have distinguished the Company as a direct lender in the commercial-private and hard money real estate market.
  • Rock East Funding
  • 670 Long Beach Blvd, Long Beach, NY, 11558
  • Rock East Lending is a veteran hard money lender for experienced real estate investors. We know that for investors, having access to money quickly makes all the difference. Because we are direct lenders, not brokers, we are able to make decisions and get to the closing table quickly.
  • Atlas Commercial Capital Inc
  • 45 Rockefeller Plaza, 20th Floor, New York, NY, 10111
  • In 1995, what is now Atlas Commercial Capital started in New York as a mortgage and sales brokerage company specializing in investment properties. Since then, the Atlas team has been instrumental in closing transactions throughout the nation for hundreds of investors and developers.
  • Easton Financial Corp
  • 125-15 Liberty Avenue, 2nd Floor, South Richmond Hill, NY, 11419
  • We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different & we offer a variety of products to meet your individual requirements.We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Drexel Mortgage Corporation
  • 103-44 108th Street, Richmond Hill, NY, 11419
  • Drexel Mortgage can finance, purchase, refinance your loan quickly. With hundreds of sources of capital Drexel is able to find a way to get you funding tailor made to fit your needs. We can provide loans to people who have OK credit, OK income, OK homes and a good business. Whatever your unique situation - we fund all good deals - guaranteed.
  • OMNI MORTGAGE CORP.
  • 118-18 101 Avenue S, South Richmond Hill, NY, 11419
  • Omni Mortgage we pride ourselves on providing superior customer service & creating satisfied customers.our staff consist of experienced mortgage professionals who have an hands on approach to mortgage guidance.Not only you will find our team members knowledgeable,but you will also discover we truly care about helping you make your dreams a reality
  • Saxon Spencer Capital
  • 57 W. 57th Street, Suite 300, New York, NY, 10019
  • Saxon Spencer Capital, founded in New York in 2016, is a nationwide private lending platform, affording unique insight to the investment community; combining old-fashioned values with a sophisticated modern approach in solving the multiple labyrinths of the financial markets today. Saxon Spencer Capital creates customized financial solutions.