2026 Loan Limits in Zephyrhills, Pasco County
The 2026 conforming loan limit in Pasco County is $832,750 — Florida's standard baseline — which covers the majority of Zephyrhills purchases. Pasco County's FHA limit is $568,100, or $26,813 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets. USDA 0% down financing is available on eligible Zephyrhills properties, with a 2026 household income cap of $115,000 (1–4 persons). Eligible addresses must be confirmed — use the USDA eligibility map or ask us to check a specific property.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Pasco County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Zephyrhills's 2026 FHA ceiling: $568,100.
USDA
0% down rural development financing on eligible Zephyrhills addresses, with a 2026 household income cap of $115,000 (1–4 persons). Address must be verified on the USDA eligibility map.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Zephyrhills for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Pasco County; USDA-eligible; retiree market; affordable Tampa suburb.