FHA loans across Pasco County with as little as 3.5% down. Here's the county's 2026 FHA loan limit, why this fast-growing Tampa Bay county is so FHA-friendly, and how to get pre-approved.
An FHA mortgage specialist will reach out shortly with your personalized Florida rate quote.
Pasco County is one of the Tampa Bay area's biggest growth stories, with master-planned communities and new construction pouring into Wesley Chapel, Land O' Lakes, and beyond. That abundance of new, reasonably priced homes makes it a prime FHA market — the loan limit covers most homes, and new construction breezes through the FHA appraisal. For buyers priced out of Tampa proper, Pasco is often the answer.
With the 2026 FHA floor of $541,287 and FHA's 3.5% minimum down, you can finance a Pasco County home priced up to roughly $560,000 (your loan covers the price minus your down payment). In Pasco's new-construction-heavy market, that covers the vast majority of homes. A handful of Florida counties are set higher, so we confirm Pasco County's exact figure with HUD.
Pasco is practically built for FHA buyers: modern homes that meet FHA standards at prices within the loan limit, perfect for first-time buyers and Tampa commuters. The county mixes booming east-side communities (Wesley Chapel) with more established west-side cities (New Port Richey). Pair FHA with Florida assistance and gift funds, and get pre-approved before you compete for homes.
We help FHA buyers throughout Pasco County, including Wesley Chapel, New Port Richey, Land O' Lakes, Zephyrhills, and Dade City. For a closer look at the local market, loan limits, and down payment help, explore our city guide(s):
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Pasco County buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Pasco County's local SHIP-funded programs. Funding and eligibility change frequently, so we'll help you confirm what's currently available — see our FHA down payment assistance guide.
Get a free FHA rate quote and pre-approval from a lender who knows the Pasco County market.
Get Pre-Approved Now