FHA VS Conventional loan in Mishawaka, St. Joseph County, Indiana

In 2025, the Conventional loan limit within Mishawaka, in St. Joseph County, IN, stands at $726,200. Conversely, the FHA limit for a single-family home is set at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage comparison tool, you can view Conforming Conventional loans, USDA, FHA, and VA side by side to select the most suitable program for your financial situation in IN.

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2025 Loan Limits and Down Payment Requirements in Mishawaka, St. Joseph County, IN

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

These are applied to the following zip codes: 46544, 46545, 46546

Exploring Conventional and FHA Loan Possibilities in Mishawaka, IN

The primary goal of Lendersa® is to quickly and seamlessly connect you with the best Conventional, USDA, or FHA loan. Choose one of three pathways that lead to matching lenders and corresponding loan programs.

Request and match outcomes for Lendersa USDA loans


  • Perfect Circle Credit Union
  • 631 E Main St., Hagerstown, IN, 47346
  • Perfect Circle Credit Union has served working families in Wayne and Henry Counties, helping them meet their financial needs and achieving their goals. Almost ninety years later we are still dedicated to the philosophy of “People Helping People”, and helping our members build better lives.
  • Elements Financial
  • 225 South East Street, Suite 300, Indianapolis, IN, 46202
  • "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."
  • Educational Community Alliance CU
  • 3845 Angola Road, Toledo, OH, 43615
  • Educational Community Alliance Credit Union is the financial partner for Toledo educators, administrators, and staff. Similar to banks, you’ll find offerings like car loans, credit cards, and checking accounts; however, unlike big banks, we serve the Toledo educational system exclusively and are not-for-profit. Instead of answering to
  • OHIO HOME FINANCE, Ltd.
  • 5550 Twp Rd 93, Mc Comb, OH, 45858
  • Ohio Home Finance, our job is to make your application for a VA Home Loan a very easy process. We are looking forward to working with you Our founder, Jeff Vance, Sergeant Army Infantry back in the day has been doing VA loans for over 20 years.Specialists well-known throughout the states of Ohio, Indiana and Michigan.
  • Firefighters Credit Union
  • 726 Massachusetts Avenue, Indianapolis, IN, 46204
  • 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.
  • The National Bank of Indianapolis
  • 107 N. Pennsylvania St, Suite 700, Indianapolis, IN, 46204
  • 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.
  • Indiana Members Credit Union
  • PO Box 47769, Indianapolis, IN, 46247
  • 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.
  • Midwest Mortgage Investments
  • 5450 Monroe Street, Toledo, OH, 43623
  • Midwest Mortgage is dedicated to making the mortgage loan process quick and easy for you! We provide a variety of mortgage loan types for purchase and refinance. You can be sure the mortgage loan you choose is exactly right for your budget and situation.We offer the most competitive interest rates in Ohio, and serve customers with mortgage loans.
  • Citizens National Bank.
  • 102 S. Main Street, Bluffton, OH, 45817
  • Citizens National Bank (CNB) is a commercial bank with physical locations in Bluffton, Celina, Defiance, Elida, Findlay, Lima, Springfield, Toledo and Van Wert, Ohio. Focused on small business, we work closely with our customers to develop individualized financing plans and a variety of treasury management services.
  • American Community Bank & Trust Woodstock
  • 1290 Lake Avenue, Woodstock, IL, 60098
  • Since we founded ACBT we have been focused on building relationships with privately owned businesses, investors, and families. As an independent commercial bank, we are uniquely qualified to serve this market and compete successfully against the mega banks. We are simply more responsive, agile, flexible, and attentive.
  • New Horizon CU
  • 1019 East Fairchild, Danville, IL, 61832
  • First of all, we will need to start with the present. IN august 2003, the Credit Union changed its name to “New Horizon Credit Union.” The original name of “Hyster Danville Employees Credit Union” was established September 30, 1946 as a state Chartered Credit Union and located in the old Fab Bldg. On Voorhees St., Danville, IL.
  • A Better Mortgage Company
  • 4379 S. Howell Avenue, Suite 22, Milwaukee, WI, 53207
  • A Better Mortgage Company has been saving Wisconsin homeowners money with the most aggressive programs down to 500 credit score, and 100% financing available with 580+ scores and also Providing Wisconsin home services since 1998 with the most aggressive programs, refinancing, 1st and 2nd mortgages, reverse mortgages, VA, FHA and etc