USDA Vs. FHA your options comparison in Gary, Lake County, IN

In 2025, the USDA loan limit in Gary, which is in Lake County, IN, is set at $336,500, while the limit for FHA on a single-family home is $472,030.

With the Lendersa® USDA loan calculator, compare today's top USDA and FHA rates, and determine the needed income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options alongside each other, helping you choose the best program in for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Gary, Lake County, 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 Gary, IN

Lendersa® aims to secure the best USDA or FHA loan quickly and without hassle. Choose from one of three starting points to connect with lenders and explore USDA loan programs.

Results from Lendersa USDA loan requests

Understanding USDA Loans in IN

A USDA home loan, backed by the government through the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively for rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • Stock Financial
  • 2639 Professional Circle Suite 105, Naples, FL, 34119
  • Stock Financial 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
  • Barnett Financial Services Inc
  • 2829 Exchange Court, Unit A, West Palm Beach, FL, 33409
  • 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.
  • My Private Mortgage Broker LLC
  • 13738 Callisto Avenue, Naples, FL, 34109
  • 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.
  • Landing Mortgage Inc
  • 2146 Stacil Circle, Naples, FL, 34109
  • Landing Mortgage was established in 2006 at the Naples Airport by a pilot who loved flying and working in the mortgage industry. In 2008, the company was purchased by Melinda Sweet, an expert in banking, finance, real estate and mortgage. Her father Walter was also a pilot, and they spent much of their time together in the sky.
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  • Discover unparalleled real estate services with Jet Real Estate, led by Jamison Troutman. Specializing in residential and commercial investment properties dynamic market, we provide personalized approaches tailored to your needs. From 1-4 unit multi-family investment properties to $100 Million commercial property our expert team ensures seamless, s
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  • 515 North Flagler Drive, Suite P-300, West Palm Beach, FL, 33401
  • CRELoan is a leading Commercial Real Estate Loan advisory firm that secures financing for the nations top-tier investors, operators, owners and developers. We work with a wide array of sources to arrange financing for all commercial property types from $10, 000, 000 to in excess of $50, 000, 000 per transaction.
  • Landmark Appraisal & Realty Group, Inc.
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