USDA VS FHA in Elkhart, Elkhart County, IN

For 2025, the USDA loan limit in Elkhart, Elkhart, IN, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use Lendersa®'s USDA loan calculator to compare the best rates available for USDA vs. FHA loans and assess the required income, credit, reserves, and documentation for qualification. Our advanced mortgage tool offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping determine which is optimal for your financial needs in .

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2025 Loan Limits and Downpayment Needs in Elkhart, Elkhart, 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 Elkhart, IN

Lendersa® aims to secure the ideal USDA or FHA loan swiftly without hassle. Select one of three starting points to engage with lenders and explore USDA loan programs thoroughly.

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About USDA Loans in IN

A USDA home loan, also known as a USDA rural development loan, is guaranteed by the U.S. Department of Agriculture and available only in rural neighborhoods. In contrast to FHA loans requiring 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?



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