USDA and FHA Pro and Con in Delphi, Carroll County, IN

In 2025, USDA loan limit in Delphi, county of Carroll, IN is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Delphi, county of Carroll, IN

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

USDA and FHA loan options in Delphi, IN

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Indiana?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • J & L Processing/Mortgages
  • 2234 Windsor Ct, Bossier City, LA, 71111
  • At J & L Processing/Mortgages, we specialize in assisting first-time home-buyers navigate through this journey as quick and easy as possible. We offer conventional, FHA, USDA, VA Programs and more. Purchasing a home is a significant financial decision in your life, so finding the right mortgage partner is key to making the dream of homeownership
  • Port Chester Teachers Federal Credit Union
  • 118 South Ridge Street, Suite 3, Port Chester, NY, 10573
  • The Port Chester Teachers Federal CU is a unique, not-for-profit and member-owned financial institution. Unlike banks that are strictly profit-driven, we return excess earnings to our members in the form of friendly and personal service, lower interest rates for loans, modest yield on accounts, and by offering free financial products and services.
  • Pepe Berard Capital LLC
  • 211 South Ridge Street, 2nd Floor, Rye Brook, NY, 10573
  • Pepe/Berard Capital is a boutique real estate direct lender & investment firm co-founded by William Pepe & Ralph Berardi, Jr. in 2013. The principals have over 50 years of combined experience in real estate lending, investments and management. The firm was founded to pursue small to middle market real estate opportunities.
  • CounselPro Lending, LLC
  • 800 Westchester Avenue, Suite N641, Rye Brook, NY, 10573
  • CounselPro Lending offers a wide range of commercial financing programs to help businesses of all sizes thrive. We provide business loans that are tailored to suit various objectives, and we maintain extensive partnerships with investors and other sources of financing. This approach allows us to structure
  • Saratoga's Community Federal Credit Union
  • 444 Geyser Road, Ballston Spa, NY, 12020
  • Saratoga’s Community Federal Credit Union is a full service; not-for-profit, community focused financial institution. We exist solely to serve our members and our communities by helping them make financial decisions that best meet their individual needs. Our business plan is structured to provide exceptional personal service.
  • TCT Federal Credit Union
  • 416 Rowland Street, Ballston Spa, NY, 12020
  • TCT was founded in 1959 by a small group of teachers and school staff who wanted to pool their savings together to loan each other money when banks would not. At TCT, you're not a customer or a transaction, you're a member and an owner. We care about your financial well-being and your overall peace of mind when it comes to your savings and loan nee
  • STEWART'S FEDERAL CREDIT UNION
  • 2911 State Route 9, Ballston Spa, NY, 12020
  • Stewart’s Federal Credit Union is the result of the efforts of a handful of Stewart’s employees. With the support of our sponsor we have grown to a Credit Union that provides a full range of savings and loan plans to help our employees and their families achieve their financial goals
  • CAPITAL NEW YORK HOME ADVANTAGE LLC
  • 100 Saratoga Village Blvd, Ballston Spa, NY, 12020
  • Capital New York Home Advantage opened it's doors in May of 2012 in Malta, NY. Mortgage Financing: Conventional FHA VA USDA Portfolio Reverse Mortgages Purchase, refinance, debt consolidation and home improvement Single family, multi-family, condos, co-ops, townhouses, modular and mobile homes Primary residence,second/vacation homes.
  • Americana Mortgage Group
  • 1615 Northern Blvd, Suite 404, Manhasset, NY, 11030
  • We are a full service mortgage company located in Manhasset, NY. We specialize in Home mortgages in New York, New Jersey Conneticut and Florida. We can help you realize your dream of home ownership, or help you save money by obtaining a new lower monthly payment.Established in 1996.