FHA Vs. USDA loan program for Winter-Haven, Polk County, Florida

In 2025, 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 .

USDA and FHA Loan Opportunities in Winter-Haven, FL

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.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in FL

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.

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(229) 423-4321 Lender's profile and map Reviews Community Banking Company of Fitzgerald 102 West Roanoke Drive, Fitzgerald, GA, 31750 Community Banking Company of Fitzgerald operates as a bank. The Bank offers personal, business account, checking, savings account, debit card, loans, finance, online banking, and other related banking services. Community Banking Company of Fitzgerald serves customers in the State of Georgia.
(229) 426-6000 Lender's profile and map Reviews Colony Bank 115 S Grant St, Fitzgerald, GA, 31750 Colony Bankcorp, Inc., with assets of $2.4 billion, is the Bank holding company for Colony Bank. Founded in 1975 and headquartered in Fitzgerald, Georgia, Colony operates 29 locations throughout Georgia. Colony offers personal and business services, and also has specialty divisions to meet the needs of its customers.
(912) 691-2087 Lender's profile and map Reviews Savannah Postal Credit Union 22 Ogletthorpe Professional Blvd, Savannah, GA, 31406 Savannah Postal Credit Union is a State-chartered credit union incorporated June 6, 1952. For more than 53 years we have existed solely for the purpose of serving our members' best interests. The credit union was originally established for employees of the United States Postal Service. Today we serve 10 employee groups in Savannah
(912) 355-1039 Lender's profile and map Reviews American Financial Services Group 7712 Waters Ave, Savannah, GA, 31406 American Financial Services is one of the oldest loan companies in Savannah. Our first office opened in 1956, and we still proudly serve people of Chatham County and the nearby towns sixty years later. In 2010, American Financial Services merged with Coastal Finance Company and relocated to the present location at 7712 Waters Ave, Savannah, GA.
(912) 659-9401 Lender's profile and map Reviews COASTAL CUSTOM MORTGAGE, INC. 340 Eisenhower DriveSuite 220, Savannah, GA, 31406 Based in Savannah, Georgia and serving surrounding areas, Coastal Custom Mortgage is a mortgage brokerage company that provides homebuyers and homeowners alike with the tools to plan for and achieve financial stability when it comes to real estate endeavors. No matter the client’s starting point
(912) 354-8100 Lender's profile and map Reviews Memorial Health CU 901 East 65th Street, Savannah, GA, 31405 Memorial Health Credit Union is a 48 year-old not-for-profit financial cooperative established in 1972. Our team works hard for each & every member by answering interest rates questions, qualifying new members, assembling due diligence on loans, setting up customized savings accounts, establishing direct deposits and helping with new credit cards.
(912) 236-0919 Lender's profile and map Reviews Savannah Schools FCU 4673 US Highway 80 East, Savannah, GA, 31410 Membership in Savannah Schools FCU is an ongoing benefit to employees and associates of participating companies or groups. As a full-service financial institution, the credit union: Provides security for funds, with accounts insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. Offers a full line of fr
(229) 868-5656 Lender's profile and map Reviews The Merchants & Citizens Bank 6 College Street, Mc Rae Helena, GA, 31055 Located in McRae-Helena, Telfair County, Georgia, The Merchants & Citizens Bank has been the "hometown" bank of choice since 1929! We are proud of that record. We are also proud to be a part of the "Crossroads Community". As such, we are privileged to offer our customers that small bank experience while ever expanding their banking needs.
404.391.1686 Lender's profile and map Reviews Walton Funding 12805 US Highway 98 E, Suite E201, Inlet Beach, FL, 32461 Walton Funding was formed with the intent of bringing our borrowers the most favorable lending terms available in the market. We specialize in finding solutions that don't meet standard agency criteria. Our qualified borrowers have transparent access to wholesale rates, giving them some of the best rates available in the industry.
(912) 629-2900 Lender's profile and map Reviews First Chatham Bank 111 Barnard Street, Savannah, GA, 31401 Opening its doors on January 23, 2002, First Chatham Bank became the first community bank chartered in Chatham County since 1989. Since that time, First Chatham Bank has proven to be the premier community bank in the Coastal Empire. The Bank was a vision of local business leaders.
(855) 849-5626 Lender's profile and map Reviews InstaLoan 15 Bull Street, Savannah, GA, 31401 At InstaLoan, we take the guesswork out of finding what the best loan is for you. Our friendly staff will review all of the different lending options with you. So whether you’re looking for a larger loan, a loan with easy payment options, or a loan where your credit score isn’t the primary factor in the approval process, InstaLoan can help
(912) 236-4400 Lender's profile and map Reviews Georgia Heritage Federal Credit Union PO Box 1920, Savannah, GA, 31402 At Georgia Heritage FCU, it’s all about you. Our mission is making a positive difference for our members and the communities we serve. As a not-for-profit organization, we put members first. We strive to maintain a one-on-one relationship with our members while providing them with a full line of financial resources.