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

Dade City Home Loan Programs

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 purchasing your first home in Dade Cityor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive Dade City mortgage rates available in 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.

Available Loan 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, so 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 and program 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). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the Dade City market and the specific programs available to 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?

For a $300,000 home in Dade City, a 3% conventional down payment runs roughly the low five figures, while FHA's 3.5% is comparable with easier credit requirements. VA loans offer $0 down for veterans, and Hometown Heroes can contribute 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. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the Dade City closing process.

Also Serving Pasco County

Nearby Cities We Serve

Explore Loan Programs

Pasco County Mortgage Broker 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.