USDA Loan Vs. FHA loan for Winter-Garden, FL 2026

For the year 2026, the cap for USDA loans in Winter-Garden, within Orange county, FL, is $285,000. Conversely, the FHA sets a limit of $356,362 for a single-family home.

Lendersa® USDA loan calculator is a useful tool for comparing today’s best USDA versus FHA rates. It helps determine the necessary income, credit score, reserves, and documentation needed for qualification. Our enhanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, so you can decide which program in best fits your financial scenario.

Exploring USDA and FHA Loan Choices in Winter-Garden, FL

Lendersa® aims to provide you with swift and hassle-free access to the best suited USDA or FHA loans. Choose from three options to find compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in FL?

The USDA home loan, guaranteed by the government Department of Agriculture and commonly known as a USDA rural development loan or mortgage, is designated for rural areas only. Unlike FHA loans that require a down payment of at least 3.5%, the USDA mortgage doesn’t require any down payment, making it an attractive option for eligible applicants.

Get top 10
USDA LENDERS
customized to yout needes

(231) 924-4880 Lender's profile and map Reviews Gerber Federal Credit Union 508 W State St, Fremont, MI, 49412 Gerber Federal Credit Union was founded here in Michigan, and we’re focused on growing here. Our promise is to provide high quality services to satisfy member financial needs through competitive products and services and friendly, well-trained, caring employees applying the latest technology.
(940) 322-9328 Lender's profile and map Reviews Wichita Falls Federal Credit Union 2100 Seymour Highway, Wichita Falls, TX, 76301 Wichita Falls Federal Credit Union is committed to providing quality service to its Members by offering a full range of financial services with competitive rates in a personal, caring, and professional manner and also We offer the same traditional products and services as a bank – but with low or no fees, and competitive rates
(940) 720-8000 Lender's profile and map Reviews Union Square Credit Union 1401 Holliday St, Wichita Falls, TX, 76301 Union Square is the largest credit union in the Texoma Area. We are here to serve you, our members, with the best products available and the most competitive rates around. We are people helping people. We are.... Your Financial Center of Choice! Union Square Credit Union's field of membership is open to those who have the following common bond
(940) 851-4000 Lender's profile and map Reviews Texoma Community Credit Union 807 8th St, Suite 100, Wichita Falls, TX, 76301 Texoma Community Credit Union has served 11 counties surrounding Wichita Falls, Texas since 1953 with a full range of banking services. We are not a big bank, but a financial cooperative. This means every member gets a vote, and our profits go back into the community each year, rather than into the hands of shareholders.
(940) 217-2433 Lender's profile and map Reviews Alamo Finance 3114 Seymour Hwy, Wichita Falls, TX, 76301 At Alamo Finance we know what it’s like to need help from time to time. We appreciate the hardworking Texans that built this great state and country. That’s why we believe so firmly in the installment loan. When good people have an unexpected emergency, they shouldn’t have to fall into the trap of Payday lenders. That’s why we’re here.
(231) 894-5608 Lender's profile and map Reviews HarborLight Credit Union 2151 Cogswell Drive, Whitehall, MI, 49461 HarborLight Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties. If you live or work in any of these counties, you can bank with us!Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties.
(940) 692-7096 Lender's profile and map Reviews Wichita Falls Teachers FCU 4301 Barnett Road, Wichita Falls, TX, 76310 WFTFCU began building its first complete facility designed specifically for a financial institution. Land was purchased next to Barwise Junior High School and architect Joe B. Roberts designed the 3, 200 square foot building. The facility included a vault, loan offices, a drive-through teller window, lobby tellers and a member service area.
(860) 253-4780 Lender's profile and map Reviews Tobacco Valley Teachers Federal Credit Union 182 South Road, Enfield, CT, 06082 Tobacco Valley Teachers Federal Credit Union is a member-owned financial institution committed to providing products and services to meet each member's financial needs. We pledge to deliver personalized, competitive and high-quality service. Tobacco Valley Teachers Federal Credit Union represents a pool of money saved by the members.
(860) 253-5100 Lender's profile and map Reviews Enfield Community Federal Credit Union 11 Cranbrook Boulevard, Enfield, CT, 06082 The Enfield Community Federal Credit Union was originally chartered on October 19, 1936, as the Bigelow-Sanford Employee’s Credit Union. The original field of membership consisted of the carpet mill’s employees. There were seven different department credit unions within the company. However in 1946, the seven credit unions were merged into one.
(860) 763-3591 Lender's profile and map Reviews CSP Employees Federal Credit Union 285 Shaker Road, Building 44, Enfield, CT, 06082 CSP Employees Federal Credit union is a member-owned, non-profit organization whom serves the entire CT Department of Corrections staff and their immediate family members. Originally chartered in 1949 and located in Enfield, CT on the CRCI Property, CSP was once a “One Man Operation”.
(860) 741-6711 Lender's profile and map Reviews Delano Mortgage Services LLC 480 Enfield Street, Enfield, CT, 06082 Established in May 2005, Delano Mortgage is a Licensed Connecticut residential and commercial mortgage provider located in Enfield Connecticut. Our mission is to develop relationships with our clients that will last for generations. Our most important goal is measured by our quality.
(563) 941-5391 Lender's profile and map Reviews American Trust & Savings Bank 309 McKinley Avenue, Lowden, IA, 52255 American Trust & Savings Bank is a bank with operations in one state. American Trust & Savings Bank offers numerous mortgage programs including conventional, FHA, FHA 203(k), VA, USDA and construction mortgages. American Trust & Savings Bank is a FREEandCLEAR Certified Gold Low Rate Lender and Technology All Star.