USDA Vs. FHA Pro and Con comparison in Sitka, Sitka County, AK

In 2025, the USDA loan limit for Sitka, located in Sitka, AK, is $488,700. Meanwhile, the FHA limit for a single-family home is $586,500. These figures are essential for determining the borrowing capacity available through these specific loans.

Utilize the Lendersa® USDA loan calculator to assess today's leading USDA vs FHA rates and discover the income, credit, reserves, and necessary documents required to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program to fit your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Sitka, Sitka, AK

Loan Type Loan Limit Down Payment
USDA $488,700 0%
FHA $586,500 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Sitka, AK

Lendersa® aims to swiftly provide you with the best possible USDA or FHA loan, without hassle. Select from three starting points that lead to matching lenders and explore USDA loan programs tailored to your needs.

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Understanding USDA Loans in AK

A USDA home loan, backed by the governmental Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans have no down payment, making them an attractive choice for those eligible.

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



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