USDA Vs. FHA Pro and Con comparison in Dover, Kent County, DE

In 2026, the USDA loan maximum for the area of Dover in Kent county, DE, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to weigh today's best rates between USDA and FHA loans. This tool helps you to determine the income, credit score, reserves, and necessary documentation to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the suitable program for your financial situation in .

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2026 loan caps and down payment criteria in Dover, within Kent county, DE

Type of Loan Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan alternatives in Dover, DE

Lendersa® aims to facilitate obtaining the most advantageous USDA or FHA loan quickly and smoothly. Start by choosing one of three initial approaches that connect you with compatible lenders and USDA loan products.

Lendersa USDA loan request and matching results

What exactly is a USDA Loan in DE?

The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that demand a minimum of 3.5% down payment, a USDA loan requires no down payment at all.

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



  • Marquette Savings Bank
  • 920 Peach St, Erie, PA, 16501
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  • Best Rate Mortgage LLC
  • 28 Broadway Street, Westford, MA, 01886
  • Best Rate Mortgage MA was started in 2011 in Charlestown MA and now serves the entire Commonwealth with below market rates and personalized customer service. With loan officers located across the state and equipped with state of the art technology, the mortgage process is easily tailored to those who demand either in-person.
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  • Integrity Mortgage Group offers wide range of lending programs, including first time home buyer/FHA loans as well as loans for well-established customers thinking about second homes, vacation homes, investment properties, rental units, and "fixer-uppers." We also have a variety of money-saving refinancing options.
  • First Carolina Mortgage
  • 102 Dolley Madison Road, Greensboro, NC, 27410
  • At First Carolina Mortgage, we have been proudly serving the Greensboro, Triad, North Carolina area since 1990. We strive to render professional service in a friendly atmosphere. Our loan officers have the skills and experience to meet your lending needs. Customer satisfaction will always be our top priority.
  • Jefferson Capital Mortgage
  • 3859 Battleground Ave, Suite 101, Greensboro, NC, 27410
  • At Jefferson Capital Mortgage. We are a local full-service mortgage company based in Greensboro, North Carolina. We service all of North Carolina and Virginia. We specialize in FHA, VA, USDA, HomePath, Jumbo and Conventional Loans. Whether you are buying a home or refinancing in North Carolina or Virginia we can help you realize you.
  • Triad Business Bank
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  • RCU was founded in 1968 originally to serve the lending needs of the employees of the Union Carbide Corporation, Mining and Metals Plant. Today, our field of membership includes any person who lives, works, worships, or attends school in the following counties: Washington, Noble, Morgan or Monroe.