USDA Vs. FHA your options comparison in Ketchikan, Ketchikan Gateway County, AK
In the year 2026, the USDA loan limit for Ketchikan in the county of Ketchikan Gateway, AK is set at $381,400, whereas the limit for an FHA loan on a single-family home is $485,300. Understanding these limits is crucial for potential homebuyers who are looking to determine the financial constraints and possibilities available through these loan options.
Utilize Lendersa®'s USDA loan calculator to evaluate and compare today's prime USDA versus FHA loan rates. It helps in discerning the necessary income, credit, reserve levels, and documentation required to qualify. With our advanced mortgage calculator, you have the advantage of examining USDA, FHA, Conforming, and VA options side by side, equipping you to make a well-informed decision on the most suitable loan program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Ketchikan, Ketchikan Gateway, AK
Loan Type
Loan Limit
Down Payment
USDA
$381,400
0%
FHA
$485,300
3.5%
Conventional Conforming
$1,089,300
3%
Discover USDA and FHA Loan Options in Ketchikan, AK
The primary goal of Lendersa® is to help you secure the best USDA or FHA loan swiftly, with minimal difficulty. Start by choosing one of three initial pathways to connect with compatible lenders and explore USDA loan programs tailored to your specific financial needs.
A USDA home loan is a financial product guaranteed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It is specifically available for properties in rural neighborhoods. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment, providing an enticing alternative for qualifying homebuyers seeking residency in rural areas.
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