FHA buyers in Zephyrhills work within Florida's standard 2026 limit of $541,287. At the local median price of $345,000, FHA requires $12,100 down — $56,900 less than a 20% conventional down payment. Monthly MIP is approximately $150, with $5,800 upfront MIP rolled into the loan at closing.
Most Zephyrhills purchases fall comfortably within the $541,287 FHA ceiling. FHA is a strong fit for first-time buyers, repeat buyers with limited down payment, and borrowers with credit scores down to 580.
Florida's Hometown Heroes program offers up to $35,000 in down payment and closing cost assistance for eligible buyers including healthcare workers, teachers, and first responders. USDA 0% down may also be available for eligible Zephyrhills addresses (income cap $115,000 for a 1–4 person household).
We close FHA loans in Pasco County — typically in 21–28 days. Tell us your purchase price and we'll send you a full breakdown within hours.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624