FHA VS Conventional loan programs in 2025 for Muncie, Delaware County, Indiana

As of 2025, the limit for a Conventional loan in Muncie, within Delaware county, IN, is $726,200. Meanwhile, the FHA limit for a single-family house stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's leading rates for Conventional, FHA, and USDA loans, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage tool provides side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA loans to aid in selecting the most appropriate program in IN for your financial needs.

Explore loan offers from 100 different lenders

Understanding 2025 Loan Limits and Down Payment Requirements in Muncie, Delaware, IN

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

This comparison table is applicable to zip codes: 47306, 47305, 47303, 47304, 47302, 47307

Options for Conventional and FHA Loans in Muncie, IN

Lendersa® is dedicated to securing the best possible Conventional, USDA, or FHA loan without complications. Choose from three starting points to connect with matching lenders and loan programs.

Results from Lendersa USDA loan request and matching


  • Peapack-Gladstone Bank
  • 500 Hills Drive, Suite 300, Bedminster, NJ, 07921
  • Peapack Private, the bank’s wealth management* division, offers comprehensive financial, tax, fiduciary and investment advice and solutions, to individuals, families, privately-held businesses, family offices and not-for-profit organizations, which help them to establish, maintain and expand their legacy.
  • Creative Hard Money, LLC
  • 508 Whitehorse Mercerville Rd., Trenton, NJ, 08610
  • Creative Hard Money LLC is a trusted hard money rehab loan lender in New York and Pennsylvania. We aim to serve our customers and our clients and help them in dealing with their concerns on business, commercial land mortgages and hard money rehab loans; a lender with the best and most knowledgeable people to serve your mortgage and financing needs.
  • WesternBank (Duluth)
  • 201 North Central Avenue, Duluth, MN, 55816
  • Western Bank has been committed to servicing our customers & the local community for over 100 years. As a hometown bank with local decision-making, we are dedicated to producing & offering to our community a wide range of banking services of exceptional value. Utilizing talented, knowledgeable employees & quality, highly accurate delivery systems.
  • Hamilton Horizons Federal Credit Union
  • 3535 Quakerbridge Road, Suite 600, Hamilton Township, NJ, 08619
  • Hamilton Horizons offers a wide variety of convenient, money saving products and services that are designed to meet all your financial needs. These products include high-yield savings and investment accounts, low-interest loans, and numerous services that let you conduct your financial business when it’s convenient for you.
  • American Federal Mortgage Corporation
  • 360 Route 24, Chester, NJ, 07930
  • American Federal Mortgage, we make it easy for those seeking to refinance or purchase their dream home in 10 states by offering a variety of flexible loan programs geared toward each client's specific mortgage needs. Having been a recognized leader in the mortgage lending industry for nearly three decades,
  • Park State Bank
  • 2630 W Superior St, Duluth, MN, 55806
  • Park State Bank is a full service financial institution that has been serving the good people of Minnesota since 1916. We have a long history of meeting the financial needs of the Steel Workers of the Morgan Park Steel Plant until its closing in the 1980s. In 1997 we built an office in Lincoln Park neighborhood, where we found an active community.
  • Metro Credit Union (Nebraska)
  • 14509 F Street, Omaha, NE, 68137
  • We were formed in 1951 for the benefit of people who bank with us, & that purpose remains central to our decision-making today. For that reason, the Credit Union has earned a reputation for exceptional personal service and great value in banking. Metro consistently receives high marks for trust, integrity, low loan rates & better overall service.
  • Mutual 1st Federal
  • 14510 F St, Suite 101, Omaha, NE, 68137
  • We're a community based credit union. And while in the old days credit unions were limited in many ways, those days are gone. Open your eyes to a new, better way to bank - with a credit union! Basically, if you live, work, worship or attend school in these counties - you're in! In Nebraska
  • Freedom Lending
  • 4610 S 143rd St, Omaha, NE, 68137
  • FREEDOM LENDING is an industry leader in mortgage lending because we deliver results. Our professionals provide excellent personal service, guaranteed lowest rates and a money management plan that’s tailored to your specific needs. Whether you’re in Iowa, Nebraska or right here in Omaha looking for an FHA mortgage, VA mortgage
  • Enterprise Bank
  • 12800 West Center Road, Omaha, NE, 68144
  • Founded in 1991, Enterprise Bank, is a privately-owned community bank headquartered in Omaha, Nebraska. Enterprise Bank provides banking services to individuals as well as business customers located primarily in Omaha. Enterprise Bank has two full-service branches located in the Omaha Metro area.
  • ACCESSBank
  • 8712 W. Dodge Rd, Omaha, NE, 68144
  • We're entrepreneurs ourselves. We opened in 2007 with just 12 employees, so we are first-hand familiar with your day-to-day challenges. No wonder then, that we've been voted "Best Business Bank"​ by B2B Omaha Magazine five years in a row. We've also been awarded the 2017 & 2018 Business Excellence Award by the Greater Omaha Chamber.
  • Centris Federal Credit Union
  • 13120 Pierce Street, Omaha, NE, 68144
  • Centris Federal Credit Union has been your trusted financial partner since 1934 with 15 full-service credit unions located in Nebraska and Iowa. We are a not-for-profit financial organization. We pass the savings onto our members so we can offer lower rates on loans and higher rates on savings as well as improved products and services.