USDA Loan Vs. FHA loan for Winter-Haven, FL 2025

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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(509) 328-2900 Lender's profile and map Reviews Canopy Credit Union PO Box 2519, Spokane, WA, 99220 At Canopy Credit Union we know you have ﬁnancial dreams. Your dream may be to purchase your ﬁrst home, pay for college, get out of debt, or buy a new car. Whatever it is we can help you reach it. You deserve to work with experts who believe in your dream, give you the best advice possible , and never sell you something you don’t need.
(509) 340-5300 Lender's profile and map Reviews Northwest Farm Credit Services 2001 South Flint Road, Spokane, WA, 99220 We're a financial cooperative providing financing & related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in Montana, ID, Oregon, Washington and Alaska. Northwest FCS is a member of the nationwide Farm Credit System that supports agriculture & rural communities.
(209) 785-7283 Lender's profile and map Reviews Prominent Mortgage Lending Inc. 621 McCarty Street, Copperopolis, CA, 95228 Prominent Mortgage Lending Inc. proudly serves all of California. Unlike traditional mortgage bankers, Prominent Mortgage Lending makes home financing understandable, easy and convenient. We offer a wide range of financing options, interest rates and terms, giving you the opportunity to find the best loans for your needs.
(800) 788-4578 Lender's profile and map Reviews Washington Trust Bank 717 W. Sprague, Spokane, WA, 99201 Washington Trust Bank has strived to provide quality service and financial stability for our customers. Four generations of Stanton family leadership later, we continue to focus on integrity and commitment to community.As the oldest and largest privately-held commercial bank in the Northwest
(509) 458-2265 Lender's profile and map Reviews Wheatland Bank 222 N Wall St, Suite 100, Spokane, WA, 99201 Wheatland Bank, a locally owned community Bank with a regional footprint, is nationally recognized as one of the strongest Banks in the nation. With decades of experience in providing customized Banking services to businesses throughout eastern and central Washington, Wheatland Bank stands ready to help make your vision a reality.
(509) 710-2227 Lender's profile and map Reviews Jack Tenold LLC 203 N Washington, Suite 200, Spokane, WA, 99201 Jack Tenold will put his 26 years of experience to work for your benefit & he considers it a privilege to work with senior homeowners & their families. Getting information or applying for a reverse mortgage does not have to be an ordeal. It is easy to apply in person or over the phone. You can trust that Jack will always put your interests first.
(866) 511-1824 Lender's profile and map Reviews Shout Mortgage LLC 546 N Jefferson Ln, Suite 304, Spokane, WA, 99201 After the market collapse of 2008 we, like everyone else, saw that the mortgage industry was broken. Reform was slow and we realized the only way to change anything was to start from the inside. So we set out to build a company that not only helped consumers obtain a mortgage but educated them on the process.
(509) 747-1300 Lender's profile and map Reviews Chimney Rock Mortgage 1320 N Atlantic St, Suite B, Spokane, WA, 99201 Chimney Rock Mortgage is a family-owned company that emphasizes community relationships, honesty, and integrity. Since our founding in 1989 by Don Mann, Chimney Rock Mortgage has been dedicated to cultivating trust and practicing responsible lending principles. For 30 years, that proven dedication and trust has given our branches.
(509) 456-5363 Lender's profile and map Reviews 456 Lend 221 N Wall St, Suite 615, Spokane, WA, 99201 456 LEND is a Northwest Equity Solutions Inc. company. 456 LEND offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Spokane area. Our team is your premier mortgage team located in Spokane, Washington.
(800) 676-4562 Lender's profile and map Reviews Global Credit Union 1500 W 4th Ave, Spokane, WA, 99201 Global continues to meet member needs by offering innovative products and services, low rates, few fees and excellent service. By monitoring purchasing trends, lifestyle changes and other indicators, we gain an understanding of what our members want from their credit union. We work diligently to deliver the best deposit and loan products.
(509) 926-1755 Lender's profile and map Reviews Private Money Capital 804 W Boone Ave, Spokane, WA, 99201 We've been helping people find private money funding options for over 20 years. Our team is dedicated to you and all of your different real estate needs. Work with a local team of seasoned professionals to help you accomplish your real estate investment goals in Washington. We are happy to offer financing options and loans not found
(509) 525-2000 Lender's profile and map Reviews Baker Boyer National Bank 7 W Main St, Walla Walla, WA, 99362 Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. We are Eastern Washington’s trusted financial advisor, serving the Walla Walla Valley, Tri-Cities and Yakima communities, providing wealth management as well as personal and business banking services. Baker Boyer is the only local family of wealth management.