Dade City, Pasco County

Dade City Mortgage Broker

Your licensed Dade City Mortgage Broker for FHA, Conventional, VA & Down Payment Assistance home loans. As a trusted mortgage broker serving Dade City and all of Pasco County, we close loans in 14–21 days with honest rates and no surprises.

$300,000

Median Home Price

7,239

Population

33525

Primary ZIP

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Get Pre-Approved in Dade City

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Dade City

Home Loans From Your Dade City Mortgage Broker

Mortgage Capital is your local Dade City Mortgage Broker. Dade City — County seat, historic in Pasco County— has its own price points and buyer profile, and we match each loan to it instead of running every client through the same box.

Whether you are buying your first home in Dade City or refinancing one you already own, our team guides you from application to closing. As a broker rather than a bank, we shop dozens of lenders to find you a competitive Dade City mortgage rate for 2026.

Dade City's median price of around $300,000 puts it in the heart of Pasco County's first-time and move-up buyer range. Buyers here split fairly evenly between FHA and conventional financing, and many qualify for Florida down payment assistance. We shop both routes side by side so Dade City clients see the real monthly difference before committing.

Dade City, the historic county seat, offers affordable homes where FHA and USDA-eligible loans fit local buyers.

Available Mortgage Programs in Dade City

✓FHA loans — 3.5% down with flexible credit

✓Conventional loans from 3% down

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓First-time buyer programs

✓Refinance — rate/term & cash-out

Prices in Dade Citystill vary by neighborhood and property type. The right loan program and down payment strategy depend on your specific target range. Ready to see real numbers? We'll pull current Dade Cityrates for your price point at no cost — start with a five-minute application or call (561) 300-0380.

Dade City Market Data — 2026

CityDade City

CountyPasco County

ZIP Code33525

Median Price$300,000

Population7,239

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Dade City

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Dade City — typically 14–21 days

FAQ

Dade City Mortgage Questions

How do I find a mortgage broker in Dade City, FL?

Mortgage Capital is a licensed Dade City Mortgage Broker (NMLS# 1859012). Choosing the right broker matters, since not every lender offers the same programs or service. We are based in South Florida, so we know the Dade City market and the programs that fit Dade City buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Dade City?

On a $300,000 Dade City home, a 3% conventional down payment lands roughly in the low five figures. FHA's 3.5% is close, with more flexible credit requirements. VA loans offer $0 down for veterans. Hometown Heroes can also add up to $35,000 toward your down payment and closing costs — a major help in the Dade City price range.

How long does it take to close on a home in Dade City?

Most Dade City home loans close in 14–21 days with Mortgage Capital, and our pre-approval usually takes under 24 hours. Timelines still shift with loan type, property condition, and how fast the seller moves. Walking in with a fully underwritten pre-approval letter is the best way to strengthen your offer and keep the Dade City closing on track.

Also Serving Pasco County

Nearby Cities We Serve

Explore Loan Programs

Florida Mortgage Locations FHA Loans Florida Down Payment Assistance All Florida Loan Programs Apply for Pre-Approval

Ready to Buy in Dade City?

Your local Dade City Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.