USDA VS FHA in Homer, Kenai Peninsula County, AK

For the year 2025, the USDA loan limit in Homer, within the county of Kenai Peninsula, AK, is set at $337,600. In contrast, for a single-family dwelling, the FHA loan cap is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today’s optimal rates between USDA and FHA. Discover what income, credit score, reserves, and documentation are necessary for qualification. Our sophisticated mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loan options, assisting you in identifying the most suitable program in for your financial circumstances.

Explore competitive loan offers from over 100 lenders

2025 Loan Limits and Down Payment Prerequisites in Homer, Kenai Peninsula, AK

Type of Loan Maximum Loan Amount Down Payment Requirement
USDA $337,600 0%
FHA $472,030 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options Available in Homer, AK

The mission of Lendersa® is to quickly and effortlessly help you secure the best USDA or FHA loan available. Start by choosing from one of three pathways which match you with lenders and USDA loan packages.

Lendersa - Results for USDA loan requests and matches

Defining the USDA Loan in AK

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is endorsed by the U.S. Department of Agriculture and is specifically available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans boast a no-down payment requirement, offering a distinct advantage in certain locales.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Table Rock Community Bank
  • 1 Wildwood Ln, Kimberling City, MO, 65686
  • Table Rock Community Bank is your only local community bank in Stone County, Missouri. We exist to meet the banking needs of our customers and to make a positive difference in the communities we serve, including Kimberling City and Branson West. Table Rock Community Bank is a full-service bank providing personal
  • American Nation Bank
  • 1901 North Commerce, Ardmore, OK, 73401
  • American National Bank opened for business in May 1983. The original location was at 10 West Main in what is now known as the Colston building. In January 1984 the home office moved to its present location at 1901 North Commerce. In June 2016, ANB changed the bank charter from a National charter to a State charter.
  • First National Bank and Trust Company of Ardmore
  • 405 West Main Street, Ardmore, OK, 73401
  • Our leadership is committed to the development of new leaders for the future of our bank and our communities. We will continue to promote the economic growth and stability of the communities we serve by providing high quality, competitive financial products and personalized, customer-oriented service.
  • Citizens Bank & Trust Company
  • 1100 N Commerce St, Ardmore, OK, 73401
  • Our bank opened its doors on September 18, 1978 in the Little Building, located at 10 West Main Street. At inception, we were a national bank, and our bank's name then was Citizens National Bank. When we moved to our current location at 1100 North Commerce Street in 1979, we reopened the downtown location as a branch of the bank in January 1984.
  • Green Mortgage Company
  • 2007 N. Commerce St, Ardmore, OK, 73401
  • "Green Mortgage Company has been a true partner to our clients in the industry. We have experience working with customers from all walks of life and in every type of situation. ur mortgage services include First Time Buyers, FHA & VA Loans, USDA, Conventional & Jumbo Investment, Construction to Permanent."
  • Jefferson Bank and Trust Company
  • 100 The Legends Parkway, Eureka, MO, 63025
  • Jefferson Bank & Trust was organized & incorporated in Missouri on July 20, 1892. It was one of the earliest neighborhood banks in the City of Saint Louis.The bank’s 1st location was at the Northwest corner of Jefferson and Franklin. Over the last century, Jefferson Bank and Trust has earned an enviable reputation.
  • Flip Finance Real Estate Rehab Lending Services
  • 8 Hilltop Village Center Dr, Eureka, MO, 63025
  • "Flip Finance is a private money lender based out of St. Louis that provides financing for real estate investments. The loans are short term and based on the value of the property when rehabbed. Flip Finance will loan 100% of the purchase and in most cases the fix as well. Simply fill out the contact us"
  • Alliance Bank Indiana
  • 101 W Montgomery St, Francesville, IN, 47946
  • Alliance Bank is to be the bank of choice for businesses, professionals, & individuals with a desire for relationship-driven financial planning, services, & products. We strive to present our clients with the personalized attention they deserve, the financial expertise they demand, & the resources they expect from their locally owned, independent.
  • Hoomano Financial
  • 7645 Delmar Blvd, 2nd Floor, Saint Louis, MO, 63130
  • "We’re a small private money lender dedicated to helping real estate investors, rehabbers and flippers in the greater St. Louis area. We’ve been serving investors with private loans and hard-money loans since 2011. We’ve made a choice to stay small and local in St. Louis so we can be the best resource possible for our real estate borrowers."