For 2025, the USDA loan threshold in Columbia-City within Whitley, IN is $285,000, whereas the FHA cap for a single-family house is $356,362.
Utilize Lendersa® USDA loan calculator to gauge today's best rates between USDA and FHA. This tool assists you in figuring out the necessary income, credit score, reserves, and documentation for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, enabling you to select the most suitable program for your financial circumstances in Alabama.
Contrast loan proposals from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to promptly secure you the most advantageous USDA or FHA loan, with minimal hassle. Choose one of three starting points to connect with lenders offering USDA loan options.
A USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available solely in rural communities. Unlike FHA loans needing a minimum of 3.5% down payment, the USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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