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

In 2025, USDA loan limit in Zephyrhills-West, county of Pasco, FL is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Zephyrhills-West, county of Pasco, FL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Zephyrhills-West, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Opportunity Home Lending LLC
  • 2591 Overbrook, Highland, MI, 48357
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • First Financial Credit Union
  • 2942 W Peterson Avenue, Chicago, IL, 60659
  • First Financial Credit Union is a non-profit financial institution owned and operated by its members, dedicated to providing superior financial value with unsurpassed service while maintaining our tradition of stability, trust and security.Credit Union is a non-profit financial institution owned and operated by its members,
  • Titan Bank, National Association
  • 1701 E. Hubbard Street, Mineral Wells, TX, 76067
  • Titan Bank was founded in 1907. The bank has a long history of focusing on the needs of small businesses in shifting economies. It is a full-service national bank with the capital, knowledge and staff to help entrepreneurs with their financial needs. Titan Bank is based in Texas and lends in all 50 states.
  • Unified Homeowners of Illinois Federal Credit Union
  • 4464 N Milwaukee Avenue, Chicago, IL, 60630
  • Unified Homeowners of Illinois Federal Credit Union is an federal credit union whose philosophy is to deliver sound financial information and services that help Illinois homeowners maintain and improve their homes. Unified Homeowners of Illinois was chartered in February 2006. Unified Homeowners’ of Illinois Federal Credit Union (UH of IL FCU)
  • Premier Capital Solutions
  • 4849 N. MIlwaukee Ave, Suite 801, Chicago, IL, 60630
  • Alexander Villegas, CEO & Founder of Premier Capital Solutions, recognized the need for a new company to meet the needs of a new economy. As the financial and real estate markets have rapidly changed in recent years, he recognized a considerable need for a financial servicing solution that goes well beyond the capabilities of traditional servicers.
  • Simply Financial Inc
  • 5632 West Lawrence Avenue, Chicago, IL, 60630
  • Simply Financial Inc are mortgage brokers and experts in locating the best mortgage for your individual circumstances. We have extensive experience in the Jumbo, Super Jumbo, conforming mortgage, and particularly specialized in niche products. We can help you secure a residential mortgage loan, even if you have bad credit history.
  • First National Bank of Dublin
  • 825 N. Patrick, Dublin, TX, 76446
  • The First National Bank is an independent locally owned bank located in Dublin, Texas. The bank was chartered on May 7, 1985. On January 1, 1997 First National Bank merged with First State Bank of Deleon, Texas. The newly created bank retained the First National Bank's name & opened its main office in Dublin & branches in DeLeon and Gustine, Texas.
  • JET DIRECT MORTGAGE
  • 111 W MAIN ST, BAY SHORE, NY, 11706
  • We have built a strong reputation as an outstanding Mortgage Lender, serving the needs of real estate professionals, builders and individual homebuyers throughout the country since 2001. We're a full service Mortgage Lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction
  • Mamta Federal credit union
  • 1000 West Boston Post Road, Mamaroneck, NY, 10543
  • MAMTA Federal Credit Union has been open since 1938. The credit union has assets totaling $12.74 Million and provides banking services to more than 1, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.