In 2026, the USDA loan limit for Winter-Haven in the county of Polk, FL, is set at $285,000, while for a single-family home, the FHA limit reaches $356,362.
Take advantage of the Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today. This tool helps you identify the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose the ideal program suited to your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The primary aim of Lendersa® is to quickly pair you with the best USDA or FHA loans available, without any hassle. Choose one of three starting paths to link with lenders and access USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed option provided by the Department of Agriculture and is specifically available for rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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