In 2025, the USDA loan cap for Carmel in Hamilton, IN, is $336,500. Meanwhile, the FHA limit for a single-family residence is $472,030.
Leverage the Lendersa® USDA loan calculator to contrast today's highest USDA and FHA rates to determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to evaluate USDA, FHA, Conforming, and VA options side by side, which helps you pick the right program in
Explore offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our goal is to promptly secure the best USDA or FHA loan for you without stress. Select from three starting points to connect with lenders and explore USDA loan options thoroughly.
The USDA home loan, backed by the U.S. Department of Agriculture, sometimes referred to as a USDA rural development loan, is available solely in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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