USDA VS FHA in Zephyrhills-West, Pasco County, FL

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

By using Lendersa®'s USDA loan calculator, you can examine today's leading USDA versus FHA rates, and determine the requisite income, credit rating, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, helping you choose the ideal program in based on your financial needs.

See loan offers from 100 lenders for comparison

2025 loan limits and down payment requirements in Zephyrhills-West, Pasco county, FL

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

Your USDA and FHA loan options in Zephyrhills-West, FL

Lendersa® aims to provide you with the most suitable USDA or FHA loan swiftly and effortlessly. Choose from three starting points that result in matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in FL?

A USDA home loan is a government-backed mortgage offered through the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, available specifically in rural neighborhoods. In contrast to FHA loans which require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Tucson Federal Credit Union
  • 1160 N. Winstel Blvd, Tucson, AZ, 85716
  • In 1937 a group of teachers with a vision came together to form a financial cooperative that could better serve the financial needs of Tucson's school employees and their families. A year later, Tucson Teachers Federal Credit Union (TTFCU) was serving 38 members and had acquired assets of nearly $349.
  • First State Bank of Golva
  • 410 Terrell Ave, Golva, ND, 58632
  • First State Bank of Golva, Beach, Medora celebrates 100 years of community service. The First State Bank of Golva, Beach, and Medora have a commitment to the community, sharing a common past continuously since 1914. First State Bank offers full, friendly service for all your banking needs at competitive rates by local people who care.
  • Blue Sky Mortgage, Inc.
  • 2229 East Hedrick Drive, Tucson, AZ, 85719
  • Blue Sky Mortgage, Inc. is a full service mortgage broker providing real estate financing anywhere in Arizona. Richard has a BS degree in Mechanical Engineering from the University of California at Davis. Originally from New York, Richard’s first involvement in real estate was in California in the early 1970′s.
  • Hotchkiss Financial, Inc.
  • 1945 East Mabel Street, Tucson, AZ, 85719
  • We have very competitive Interest Rates. Our loans are customized to fit the borrower's needs. Because we are a small company, we can follow every detail of your transaction. We will keep you informed regarding the loan progress, from start to finish. We have access to a large network of investors. We have a wide variety of products
  • Westar Mortgage & Realty
  • 1775 W Wimbledon Way, Tucson, AZ, 85737
  • WESTAR® has arranged funding of thousands of residential and commercial loans, plus subdivisions throughout Arizona in Tucson, Green Valley, Nogales, Sierra Vista, Douglas, Benson, Yuma, the Phoenix area, Flagstaff, Bullhead City, Show Low, Casa Grande, Arizona City, and Apache Junction.
  • Armor Investment Co
  • 177 N. Church Ave, Tucson, AZ, 85701
  • Armor Investment Company in October 0f 1981. Back then interest rates for FHA/VA Loans were hovering in the 18-20% range. I noticed that seasoned notes and mortgages were being cashed in by worried investors. These notes bearing 6-8% interest were being discounted to yield investors 20-25% interest. Wow! That caught my attention.
  • Ray Federal Credit Union
  • 112 Williams Lane, Kearny, AZ, 85137
  • Ray Federal Credit Union has a proud heritage of serving miners and mining contractors of Ray, Arizona in the greater Copper Basin and neighboring communities. The mining towns of Ray, Sonora, and Barcelona have all since been closed and the area mined for copper. In 1965 the credit union built a building in Kearny, AZ.
  • Canyon Community Bank, National Association
  • 7981 N. Oracle Road, Tucson, AZ, 85704
  • Canyon Community Bank is to serve the people of the Tucson metropolitan area 1st & also the great State of Arizona where our expertise will allow. This will be accomplished by providing personal, confidential attention along with high quality services. We will maintain a responsible financial institution dedicated to developing economic growth.
  • Edwards Financial Services
  • 215 West Giaconda Way, Suite 107, Tucson, AZ, 85704
  • Edwards Financial Services, matching people with the right types of loan packages is what we do. We'll start you out with an in-depth consultation, getting the information we need so we can get to work for you. Based on your financial situation, we'll discuss the different options with you and explain the characteristics of each.