For 2025, in Mountain-View within Hawaii, HI, the USDA loan limit is $391,000, whereas for a single-family home, the FHA limit is $408,250.
The Lendersa® USDA loan calculator is an essential tool to compare the best current USDA vs FHA rates and determine what income, credit, reserves, and documents are required for qualification. Using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the most suitable program in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $391,000 | 0% | |
| FHA | $408,250 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
The mission of Lendersa® is to streamline the process, offering you the best USDA or FHA loan quickly and with ease. Start with one of three initial options to connect with suitable lenders and explore USDA loan programs available to you.
A USDA home loan, secured by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is only available for rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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