USDA Vs. FHA Pro and Con comparison in Edinburgh, Johnson County, IN

In the year 2025, the USDA loan cap in Edinburgh, Johnson, IN is set at $336,500, while the FHA limit for a single-family dwelling is $472,030.

Utilize Lendersa®’s USDA loan calculator to compare today's leading USDA versus FHA interest rates. Analyze required income, credit scores, reserves, and documents needed for qualification. Our state-of-the-art mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA loans, enabling you to decide which program in fits your financial circumstances best.

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2025 Loan Limits and Downpayment Requirements in Edinburgh, Johnson, IN

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

Available USDA and FHA Loan Options in Edinburgh, IN

The objective at Lendersa® is to ensure you secure the most optimal USDA or FHA loan quickly and effortlessly. Choose one of three starting points to connect with lenders and relevant USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in IN

A USDA home loan, guaranteed by the U.S. Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is solely available in rural areas. In contrast to FHA loans which mandate at least a 3.5% down payment, USDA loans require no down payment.

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



  • Christian Community Credit Union
  • 255 N Lone Hill Ave, San Dimas, CA, 91773
  • Our focus is on people, not profits. For 65 years, we’ve been providing individuals and ministries with the financial tools and knowledge they need to grow and thrive financially, so they can transform the world through their generosity. As a faith-based and purpose-driven financial institution, we have a deep commitment.
  • MortgageTree Lending
  • 402 W. Arrow Hwy, Suite 1, San Dimas, CA, 91773
  • The MortgageTree Lending Team, a division of American Pacific Mortgage is your premiere mortgage banker located in San Dimas, California. We pride ourselves on walking our clients through every step of the transaction and beyond. We make the loan process simple, straightforward and fast for borrowers seeking a mortgage.
  • Lori Printy - GEM Mortgage
  • 540 East Foothill Blvd, Suite 100F, San Dimas, CA, 91773
  • Lori Printy began her career with GEM Mortgage in 1998 at a young age of 23. She started working with a Top Producing Loan Officer as an assistant then moved on to wear many hats one of being a Sr. Loan Processor. Lori Printy’s passion of working with a team and learning all aspects of the loan business soon became a Mortgage Advisor
  • The Vallejo Team
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  • The The Vallejo Team Team is your premier mortgage team located in San Dimas, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area. Helping families achieve the dream of home ownership for over 15 years.
  • Pacstar Lending
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  • Redx Lending
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  • Cactus Lending Inc.
  • 981 W Arrow Hwy, Suite 187, San Dimas, CA, 91773
  • Cactus Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Better Home Financial, Inc.
  • 151 West Bonita Avenue, San Dimas, CA, 91773
  • Better Home Financial, Inc. is a full service mortgage lender that was founded by Wally Nikowitz in San Dimas, California in 1988. Building upon a decade of career success with a national CPA firm, Founder/CPA Wally merged his extensive experience in finance, accounting, tax and business with his passion for helping family, friends.
  • Farm Bureau Bank FSB
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  • Farm Bureau Bank, FSB, a wholly-owned subsidiary of FB BanCorp, was established in 1999 to serve the unique financial needs of Farm Bureau members. Headquartered in Reno, Nevada, with an operations center in San Antonio, Texas, the bank currently offers a full range of competitively priced products and services to members in 44 states
  • Monarch Mortgage
  • 2435 Pyramid Way, Suite A, Sparks, NV, 89431
  • Monarch Mortgage rates are at an all time low, so if you are considering buying a new home, or refinancing - now is the time and Your more than just a number at Monarch Mortgage - get the personal attention you deserve and also Mortgage Products FHA, VA, CONVENTIONAL, JUMBO and USDA
  • NewMark Investment and Loan, Inc.
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  • "We specialize in private money (aka “hard money”). By working directly with private money lenders and investors, we are able to finance many “out of the box” transactions. We can fund even the most difficult of situations. Contact a NewMark representative today for more information and to discuss your hard money lending needs."