USDA VS FHA in Siloam-Springs, Benton County, AR

In 2026, the USDA loan limit for Siloam-Springs in Benton county, AR, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.

Utilize Lendersa® USDA loan calculator to compare today's USDA against FHA's best rates, determining the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in Alabama best fits your financial situation.

Compare loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Siloam-Springs, Benton, AR

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Siloam-Springs, AR

Lendersa® strives to secure the best possible USDA or FHA loans for you quickly and effortlessly. Select one of three starting points that align you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AR

The USDA home loan, supported by the Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans that mandate a minimum 3.5% down payment, USDA loans require no down payment.

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



  • North Shore Mortgage Company
  • 8250 N 600 W, Suite A, McCordsville, IN, 46055
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Byline Bank
  • 7751 Lake St, River Forest, IL, 60305
  • Byline Bank is a full-service commercial bank with nearly $6.5 billion in assets, serving small businesses, mid-market companies, and consumers.

    Operating over 40 branch locations throughout the Chicago and Milwaukee metro areas, Byline’s been a community partner in its neighborhoods for over 100 years

  • Metropolitan "L" Federal Credit Union.
  • 949 S Ridgeland Avenue, Oak Park, IL, 60304
  • Metropolitan "L" Fedral Credit Union will provide services & financial products to our member in a professional & friendly manner. We will educate our members as to better financial actions and planning. We will enlighten our members as to opportunites and products available to them. We will treat each member with proper courtesy, respect and care.

  • Schaumburg Bank & Trust Company, National Association
  • 1180 E Higgins Rd, Schaumburg, IL, 60173
  • Schaumburg Bank & Trust offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts.

  • Bluestar Mortgage Inc
  • 951 North Plum Grove Road, Suite E, Schaumburg, IL, 60173
  • We are not just a typical mortgage lending company, that will have you start by working with the loan officer (or sales person) then be handed off to their assistant/processor, and later to their closer, only to explain your situation to multiple people. Our loan officer’s pride themselves with being involved in every step of the process with you.

  • Moonstar Mortgage
  • 953 N. Plum Grove Road, Schaumburg, IL, 60173
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchasing to refinancing and to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan with the best interest rates.

  • American Financial Mortgage Services Inc
  • 1101 Perimeter Drive, Suite 460, Schaumburg, IL, 60173
  • American Financial Mortgage Services, Inc. was founded in June, 1993. We have survived the economic recessions that have hit this country by providing our customers with low rates and low costs on all our mortgage products. The average loan officer at American Financial Mortgage Services.

  • CLS Mortgage
  • 917 North Plum Grove Road, Suite C, Schaumburg, IL, 60173
  • Since 2003, Creative Lending Solutions has been making it easier to procure the best commercial real estate financing available. Our long-term relationships with national banks, local banks and conduit leaders uniquely position us to find high-value borrowing opportunities for our clients.

  • HomeTown Lending Partners LLC
  • 1700 East Golf Road, Suite 100, Schaumburg, IL, 60173
  • HomeTown Lending Partners we want to make your loan experience satisfying and rewarding. Our seasoned Mortgage Consultants will carefully guide and educate you through the entire home loan process, so you feel confident as you make choices about the many options available for your financing strategy

  • Connect Mortgage Corp
  • 1375 Remington Road, Suite C, Schaumburg, IL, 60173
  • Dimitre Dimitrov Owner of Connect Mortgage Corp in Schaumburg, IL. I have learned how to structure all types of deals and provide quality service for all of my clients. If you are looking for a good mortgage broker I am available to offer same day pre approvals, personally monitor your transaction and offer face to face appointments.