USDA Vs. FHA Pro and Con comparison in Zephyrhills-West, Pasco County, FL
In 2026, 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.
2026 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.
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.
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