FHA VS Conventional loan programs in Indianapolis, Marion County, Indiana
In 2026, the limit for a Conventional loan in Indianapolis, part of Marion county, IN, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare the best current rates for Conventional, FHA, and USDA loans, assessing the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage tool allows you to compare Conforming Conventional loans, USDA, FHA, and VA side by side to determine the most suitable program in IN for your financial situation.
Loan Limits and Down Payment Requirements for 2026 in Indianapolis, Marion, IN
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$0
0%
FHA
$472,030
3.5%
This table is applicable to these zip codes: 46218
Conventional and FHA Loan Options in Indianapolis, IN
Lendersa® strives to provide the top Conventional, USDA, or FHA loan efficiently and without hassle. Choose from one of three starting points to find matching lenders and loan options.
Family Horizons was founded in 1954, when we received a credit union charter allowing us to serve the financial needs of Naval Avionics’ employees and their families. The original “branch” was located within the Naval Avionics facility, about a mile from where the current East 21st Street branch is located
On October 9, 1933, KEMBA Indianapolis Credit Union was chartered to serve the employees of the Kroger Company and their families in and around Indianapolis. The credit union was started by a group of Kroger employees who needed a safe place to save and borrow. KEMBA is an acronym for “Kroger Employee Mutual Benefits Association”.
Firefighters Credit Union was organized on March 1, 1956 at a meeting held at the old Fire Headquarters at 301 E. New York St. The purpose of the meeting was to bring into existence a cooperative venture to help meet the financial needs of firefighters and their families.The original volunteer charter members were Russell Iverson.
107 N. Pennsylvania St, Suite 700, Indianapolis, IN, 46204
Lends in Indiana
The National Bank of Indianapolis is the largest locally-owned national bank headquartered in greater Indianapolis. With over $2 Billion in assets, we combine our expertise, local decision-making & tradition of superior service to deliver a full range of banking services to professionals, closely-held businesses & nonprofit organizations.
225 South East Street, Suite 300, Indianapolis, IN, 46202
Lends in Indiana
"At Elements, we provide a variety of powerful financial products and services through the safe harbor of a consumer-owned credit union. Yet Elements is not just a credit union.
We are financial wellness providers who promise to help you achieve financial wellness in life with your own money management plan."
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
As an Independent firm our focus is solely on helping you. When it comes to investment advice, we are fee-based. We have no incentive to work with a specific mutual fund company – ever. Our clients come from all walks of life. The common thread is they all appreciate objective, professional advice and solutions based on experience.
Indiana Members Credit Union was established as Indiana University Medical Center Federal Credit Union in 1956 by employees of the Indiana University Medical Center, on what is today’s IUPUI Campus. Established as a member-owned, not-for-profit financial institution, founded on and by the employees of the IU Medical Center.
At Indy Mortgage We specialize in FHA, USDA, VA, Conventional loans and 203K's for rehab properties on purchases and refinances. We're known for being experts on difficult files and often get people approved when other mortgage professionals can not.FHA, USDA, VA, Conventional loans and 203K's for rehab properties on purchases and refinances.
