USDA Vs. FHA your options comparison in Zephyrhills, Pasco County, FL

In 2025, the USDA loan limit for Zephyrhills, within the county of Pasco, FL, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess today’s USDA and FHA top rates. Discover the requirements for income, credit, reserves, and documentation to qualify. This advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the best program in for your financial circumstances.

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2025 Loan Limits and Down Payment Needs in Zephyrhills, County of Pasco, FL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loans in Zephyrhills, FL

The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loan, without hassle. Start by choosing one of three paths to find matching lenders and USDA programs.

Results of Lendersa USDA loan request and matching

Understanding USDA Loans in FL

A USDA home loan is a government-guaranteed option by the Department of Agriculture, known also as a USDA rural development loan or mortgage, available only in rural neighborhoods. Unlike FHA loans needing a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Express Lane Mortgage: Tom Veitch
  • 225 Union Blvd, Suite 350, Lakewood, CO, 80228
  • At Express Lane Mortgage, we believe the home-buying process should be as stress-free as possible. From the painless online application, to the compassionate, expert advice, to the day we attend your closing with you, we communicate with you and your agent every step of the way
  • Cognitive Options Group
  • 12596 W Bayaud Ave, Suite 201, Lakewood, CO, 80228
  • Cognitive Options Group, we know that mortgage originating and servicing leaders are faced with an altered landscape in today's regulatory environment. We can help you efficiently traverse that terrain while you enjoy the confidence of partnering with an S&P-approved third party due diligence provider.
  • Colorado Capital Group LLC
  • 12081 West Alameda Parkway, Suite 173, Lakewood, CO, 80228
  • Colorado Capital Group is a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending. From purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates
  • Innovative Mortgage Group
  • 274 Union Blvd Suite, Suite 410, Lakewood, CO, 80228
  • At Innovative Mortgage Group our goal is not only to provide you with the best interest rates available, but we strive to make sure your experience here is one you’ll brag to your friends about. We specialize in conventional, VA, FHA and jumbo loans. Whether you're buying or refinancing, we have the perfect lenders for every residential loan.
  • STONEHENGE FINANCIAL
  • 4800 Wadsworth Blvd, Suite 200, Wheat Ridge, CO, 80033
  • Stonehenge Financial Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and 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
  • America's Mortgage
  • 4891 Independence Street, Wheat Ridge, CO, 80033
  • America’s Mortgage is ranked among the top ten lenders in the Denver Metro area. We remain on top by providing the best loan options along with local service. We actively incorporate new ideas and strategies while remaining true to the conservative business practices that have allowed us to succeed.
  • Paradyme Mortgage Inc
  • 4380 Harlan Street, Suite 100, Wheat Ridge, CO, 80033
  • Paradigm (the original spelling of the word), has a meaning of being “worthy of duplication; standing out above the rest”. That was the philosophy at the onset of the founding of Paradyme, that we were above the rest, and well worthy of duplication. We are local, family owned mortgage company that really cares about your loan needs
  • Select Mortgage
  • 8100 Ralston Rd, Suite 230, Arvada, CO, 80002
  • Select Mortgage Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Brookside Lending
  • 5460 Ward Road, Suite 215, Arvada, CO, 80002
  • Brookside Lending is a Experienced mortgage broker team to help you obtain the best available products and pricing for your home purchase, home refinance, or reverse mortgage needs. speciality in Residential and Investment property transactions Home Refinance options The real estate buying and selling process and Fixed & ARMs, Jumbo Reverse more
  • Venture Financial Inc
  • 6850 West 52nd Avenue, Suite 101, Arvada, CO, 80002
  • Venture Financial, Inc. is a small business doing big things. We are a locally owned company with over 20 years experience in the mortgage industry. Whether you are a first time homebuyer or someone investing in a second property, we are here to walk alongside you. We look at your financial situation as a whole
  • Legacy Mutual Mortgage
  • 5690 Webster Street, Arvada, CO, 80002
  • Legacy Mutual Mortgage is an approved HUD Lender and a member of the Texas Mortgage Bankers Association. We've been in business since April 2005 as a full service mortgage banking company originating, underwriting and closing conventional, FHA, VA, Texas Vet and USDA mortgage loans.