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

In 2026, 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.

Explore offers from 100 lenders

2026 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


  • Community Mortgage Lending Corporation
  • 5743 Wilkie Drive, Suite 3, Fort Wayne, IN, 46804
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today and also Community Mortgage Lending, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

  • Ruoff Mortgage
  • 1700 Magnavox Way, Suite 220, Fort Wayne, IN, 46804
  • We provide a best-in-class residential mortgage experience for our customers and an enriching and fulfilling culture for our employees through transparency, respect, and the highest ethical standards. Our mission is to guide homebuyers and homeowners at every step with experience and commitment so they can achieve their goals.

  • Boda Finance LLC
  • 6111 Harrison St .3rd Floor, Merrillville, IN, 46410
  • We at Boda Finance believe there is no deal that is too big to fund. From refinancing, to construction, and blanket loans, we focus on financing quickly and without hassle. If you are in need of a lending partner, look no further than Boda Finance LLC! We get you funded regardless of the market conditions!

  • ProFinance Federal Credit Union
  • 7700 Broadway, Merrillville, IN, 46410
  • ProFinance Federal Credit Union is a locally owned, nonprofit, community-focused credit union for the cities and towns of Merrillville, Gary, New Chicago,Portage, Hobart, Lake Station, and South Haven. Established in 1938, our financial institution has
    been proud to offer our members a complete array of financial services including debit

  • Northern Indiana Federal Credit Union
  • 8121 Grand Boulevard, Merrillville, IN, 46410
  • Northern Indiana FCU offers honest service, incredibly competitive rates and flexible terms on a variety of loans to fit your budget and lifestyle. If you have an existing loan with another lender, talk to us about refinancing. We may be able to help you reduce or lower your monthly payments

  • A&M Mortgage Group
  • 8585 Broadway, Suite 600, Merrillville, IN, 46410
  • A&M Mortgage Group is a mortgage broker with operations in two states. A&M Mortgage Group offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and USDA mortgages.

    Since 2007 we have helped thousands of families get the best terms on their mortgage, and a truly enjoyable mortgage experience.

  • Lake Mortgage Company, Inc.
  • 4000 W Lincoln Hwy, Merrillville, IN, 46410
  • Lake Mortgage Company first opened its doors in 1946 in Gary, Indiana. With more than 75 years in business, we are now the oldest and most established mortgage banking firm in the region. We specialize in dependable pre-approvals and efficient loan processing so you can close your transaction on time.

  • Centier Bank
  • 600 E. 84th Ave, Merrillville, IN, 46410
  • Centier is Indiana’s largest private family-owned bank. Since 1895, the Schrage family has built a legacy of success that extends throughout the communities it serves. As a family-owned bank, Centier stands firmly behind its “Not For Sale” promise, pledging to the families, businesses, and communities of Indiana.

  • SouthShore Region Mortgage
  • 9111 Broadway, Suite H, Merrillville, IN, 46410
  • SouthShore Region Mortgage specializes in Conventional FHA, JUMBO, USDA, and VA financing. We custom tailor each loan program to make sure it is the right fit for our clients. We will walk you through the process to make sure you are informed along the way and have all the adequate knowledge to select the right loan product for you and your family.

  • US #1364 Federal Credit Union
  • 8400 Broadway, Merrillville, IN, 46410
  • Our goal as a Credit Union is to provide the best products and high-end service to the members that choose to bank with us. Without our members our doors would not be open. The lifeblood of a Credit Union is our membership, and at U S Federal Credit Union we are very happy to have some of the best members around.

  • Larry the mortgage guy
  • 8585 Broadway, Suite 600, Merrillville, IN, 46410
  • I'm Larry the Mortgage Guy, and I'm Here To Help You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate and It's easy to reach me - feel free to call me direct or if you prefer you

  • Insight Mortgage
  • 8101 Polo Club Dr, Suite A, Merrillville, IN, 46410
  • 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.