As of 2026, the maximum USDA loan for Wilmington, situated in New Castle county, DE, is $381,800. The FHA limit for a single-family residence is set at $529,000.
Utilize the Lendersa® USDA loan calculator to evaluate and contrast today's leading USDA and FHA rates. Identify the income, credit, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting in selecting the most fitting program in Alabama for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $381,800 | 0% |
| FHA | $529,000 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to secure the best possible USDA or FHA loan for you rapidly and effortlessly. Begin your journey by selecting one of three approaches, each designed to align you with matching lenders and USDA loan programs.
A USDA home loan is a federally backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, intended exclusively for rural areas. In contrast to FHA loans, which require a minimum of 3.5% down payment, USDA loans do not require any down payment, offering a significant advantage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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