USDA VS FHA in Garrett, DeKalb County, IN

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

The Lendersa® USDA loan calculator allows you to compare today's optimal USDA and FHA rates, helping you understand the income, credit, reserves, and paperwork necessary for qualification. With our state-of-the-art mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side to determine which option in Alabama suits your financial needs best.

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Loan Limits and Downpayment Details for 2025 in Garrett, DeKalb, IN

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

Exploring USDA and FHA Loan Choices in Garrett, IN

Lendersa® aims to provide the best USDA or FHA loan quickly and effortlessly. Start with one of three approaches to find lenders and USDA loan options that match your criteria.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in IN

A USDA home loan, secured by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, available solely in rural communities. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans demand no down payment at all.

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



  • Colorado Mortgage Group
  • 357 S. McCaslin Blvd, Suite 200, Louisville, CO, 80027
  • Colorado mortgage company. Our expert advice is based on your needs and your situation. We pre-underwrite your file before submission to take surprises out of the process well before closing. Our approvals stick and we have a track-record of smooth, on-time closings. We know buying or refinancing a home means a lot to you.
  • Apple Street Mortgage Corp
  • 737 Apple Court, Louisville, CO, 80027
  • Apple Street Mortgage is located in Louisville, CO just east of Boulder. We provide home loans for both new purchases and refinances all over the state of Colorado where owner Norm Sydow has lived with his wife and two sons since 1994. Apple Street Mortgage Corp. is a full service residential broker providing creative solutions for a wide range
  • Foothills Credit Union
  • 7990 W Alameda Ave, Lakewood, CO, 80226
  • Foothills Credit Union is your community Credit Union. We are a reliable, full service, member-owned cooperative currently serving over 9,000 members in both Jefferson and Larimer Counties. Foothills Credit Union started in 1946 as VAR 39 Credit Union serving a few different government employee groups.
  • Credit Union of Denver
  • 9305 W. Alameda Ave, Lakewood, CO, 80226
  • As a credit union, we are a not-for-profit, member-owned, financial cooperative. Being not-for-profit means our goal is to return as much as possible to our members in the form of better interest rates, lower fees, and innovative services. In addition, we have taken a minimal branch strategy, which keeps our costs down.
  • STONEHENGE FINANCIAL
  • 4800 Wadsworth Blvd, Suite 200, Wheat Ridge, CO, 80033
  • Stonehenge Financial Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Colorado Mortgage Loan
  • 550 S. Wadsworth Blvd, Suite 301, Denver, CO, 80226
  • We are a direct lender, which means we can sell directly to the bigger banks or directly to Fannie Mae, Freddie Mac, and Ginnie Mae. This means that we can work without restrictions of other bank overlays creating fewer needed items and a smoother process. We do everything ‘in house’; processing, underwriting, and closing.
  • America's Mortgage
  • 4891 Independence Street, Wheat Ridge, CO, 80033
  • America’s Mortgage is ranked among the top ten lenders in the Denver Metro area. We remain on top by providing the best loan options along with local service. We actively incorporate new ideas and strategies while remaining true to the conservative business practices that have allowed us to succeed.
  • Land Above Ground Mortgage Inc
  • 7500 W Mississippi Ave, Unit B-122, Denver, CO, 80226
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Chariot Financial
  • 215 South Wadsworth Blvd, Suite 215, Lakewood, CO, 80226
  • Chariot Financial With over 16 years experience in the mortgage industry, we are committed to providing exceptional customer service, the very best pricing, and products available for our clients. Colorado owned and operated, we are here to assist with all your mortgage needs and also Zach P Smith is the founder of the Mortgage company