USDA VS FHA in Smyrna, Kent County, DE

In 2025, within Smyrna, located in Kent county, DE, the USDA loan limit is $336,500, whereas the FHA cap for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to analyze today's top USDA versus FHA rates, and ascertain the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping determine the best program in Alabama for your financial requirements.

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Loan Limits and Down Payment Criteria for 2025 in Smyrna, Kent County, DE

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

Exploring USDA and FHA Loan Options in Smyrna, DE

At Lendersa®, our objective is to swiftly and easily secure the optimum USDA or FHA loan for you. Choose from one of three pathways that connect you with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in DE?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment, providing a unique opportunity for eligible buyers.

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



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  • Executive Realty & Finance
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  • ID Mortgage Broker
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  • Professional Financial Mortgage Consultants, Inc.
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  • 9298 W. Third Street, Beverly Hills, CA, 90210
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