As of 2025, the USDA loan ceiling for Utqiagvik, situated in the county of North Slope, AK, is set at $390,500. Meanwhile, for a single-family home, the FHA loan limit is $472,030.
Employ the Lendersa® USDA loan calculator to evaluate today's leading rates, comparing USDA and FHA options. Determine the income, credit rating, reserves, and paperwork you'll need for qualification. Our advanced mortgage calculator provides a side-by-side look at USDA, FHA, Conforming, and VA loan choices, enabling you to identify the most suitable program in
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| Loan Type | Maximum Loan Amount | Down Payment Percentage |
| USDA | $390,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The primary goal of Lendersa® is to swiftly and seamlessly help you obtain the best USDA or FHA loan. Start by picking one of three pathways, each designed to align you with lenders and USDA loan opportunities.
A USDA home loan, otherwise referred to as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and exclusively available in rural areas. Unlike FHA loans, which mandate a minimum of 3.5% down payment, the USDA loan does not necessitate any down payment, offering advantageous financing solutions for eligible rural residents.
Enter your location to find out if it qualifies for USDA rural housing loan?
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