In 2026, the USDA loan cap in Kotzebue, located in the county of Northwest Arctic, AK, is $390,500. Conversely, the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate and contrast today's best USDA and FHA rates. Establish the income, credit score, reserves, and documents needed to qualify. Our comprehensive mortgage calculator lets you compare USDA, FHA, Conforming, and VA options, helping you select the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $390,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to efficiently secure the best possible USDA or FHA loan for you. Begin with one of three starting routes that connect you with suitable lenders and USDA loan choices.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment, offering a significant advantage for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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