USDA VS FHA 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?



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