2026 loan limits in Pasco County
These are the 2026 limits for one-unit homes in Pasco County, set by HUD (FHA) and FHFA (conforming). Two- to four-unit properties have higher limits. We confirm the current figures before every rate lock.
Buying a home in Pasco County
Pasco is one of the fastest-growing counties in Tampa Bay, with most new construction along the State Road 56 corridor in Wesley Chapel and Land O' Lakes. Many of those subdivisions carry CDD assessments, which lenders count in your debt-to-income ratio. Coastal west Pasco (New Port Richey, Port Richey and Hudson) flooded during Hurricane Helene's 2024 surge, so flood zone and elevation come first on any purchase near the Gulf.
Areas served in Pasco County
Also serving Land O' Lakes, Zephyrhills, Trinity, Odessa, Dade City, and Hudson, and the rest of Pasco County.
Florida closing costs on a Pasco County purchase
Example: a $560,000 purchase with an FHA loan of $540,400. The state taxes on that deal:
- Deed doc stamps: $0.70 per $100 of price = $3,920. The standard Florida contract has the seller pay this; check yours.
- Doc stamps on the mortgage note: $0.35 per $100 of loan = $1,891. Paid by the buyer.
- Intangible tax on the mortgage: 0.2% of the loan = $1,081. Paid by the buyer.
Add title insurance, lender fees, prepaid taxes and insurance, and recording fees for the full picture. Run your own numbers with the Florida closing cost calculator.
Homestead exemption in Pasco County
If the home will be your primary residence, file for the homestead exemption with the Pasco County Property Appraiser by March 1 of the year after you close. It can take up to about $50,000 off your assessed value and caps future increases under Save Our Homes. Details in the homestead guide.
Loan programs available in Pasco County
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.