USDA and FHA Pro and Con in Zephyrhills-West, Pasco County, FL

In 2024, 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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2024 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?



  • Hard Money Rhode Island
  • 3 Anne Drive, Lincoln, RI, 02865
  • As a leading hard money lender, our focus is more on collateral and less on your financial situation. If you have satisfying collateral, we can close your hard money loan in a matter of days. We can close loans quicker than traditional loans. Get your Funds closed quicker than with usual loans.
  • First Northern Financial Group
  • 980 Eddie Dowling Highway, North Smithfield, RI, 02896
  • First Northern Financial Group, Inc. takes a tremendous amount of pride in providing excellent customer service and aligning our valued customers with the perfect mortgage. All of our customers can search for homes or refinance with the up most confidence in their financing arrangements.
  • Pawtucket Credit Union
  • 1200 Central Ave, Pawtucket, RI, 02861
  • In 1928, we were established on the principle of people helping people in our local communities. Today more than ever, we remain steadfast in our commitment to our members and the communities in which we all live and work. Our employees are encouraged to give back to the community through our PCUnited volunteer initiative
  • Seacoast Mortgage Corporation
  • 267 Newport Avenue, Pawtucket, RI, 02861
  • At Seacoast, we are dedicated to always earning clients’ trust before their business. We consult with you, understand your needs and then help you choose the mortgage program that is best for you. Seacoast loan officers and dedicated support staff are here for you 24 hours a day, 7 days a week. Our line is always open.
  • Community Savings Bank
  • 101 E Union, Edgewood, IA, 52042
  • Community Savings Bank is a FDIC state chartered community bank, established in 1910. We are a locally owned and operated bank chartered in Edgewood, Iowa with over 500 million in assets. Currently, Community Savings Bank has 10 convenient locations throughout Clayton, Delaware, Dubuque, and Linn counties.
  • The First National Bank of Hope
  • 112 N Main Street, Hope, KS, 67451
  • The First National Bank of Hope is a lengthy one. With almost 100 years of assisting our customers, we take pride in how we have grown in the communities we support. 1922 - The State Bank of Hope was sold to the Peoples State Bank 1923 - The Peoples State Bank was converted into a National Banking Charter named The First National Bank of Hop
  • The State Bank of Canton, Canton, Kansas
  • 103 South Main Street, Canton, KS, 67428
  • The philosophy of the State Bank of Canton has not changed since it was founded over 125 years ago. Quality service, community involvement, and overall stability are just as important today as when the bank was incorporated on May 15th, 1895. The State Bank of Canton served the Canton community at 112 N Main for 79 years.
  • Wexford Community Credit Union
  • 1021 North Mitchell Street, Cadillac, MI, 49601
  • Wexford Community Credit Union is a full-service, not-for-profit financial institution. We offer our members attractive rates and terms on all types of services. The employees of Wexford Community Credit Union pride themselves on the personal service they provide to you, our member.
  • Genisys Mortgage Professionals
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  • Genisys Mortgage Professionals was formed to provide maximum financing choices to our community. Specifically, we designed Genisys to provide specialized service to the primary residence market and especially to first-time home buyers. In 2010, Genisys became part of J. Virgil, Inc., a full service mortgage lender.