USDA VS FHA in Indianapolis, Marion County, IN

In 2025, the USDA loan limit for Indianapolis in Marion County of IN is $0, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today’s best USDA vs. FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, helping you identify the most appropriate program in your situation in .

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2025 Loan Limits and Downpayment Requirements in Indianapolis, Marion County, IN

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

USDA and FHA Loan Options in Indianapolis, IN

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

Lendersa USDA loan requests and matching outcomes

What is a USDA Loan in IN?

A USDA home loan is guaranteed by the Department of Agriculture, also known as a USDA rural development loan, available only in rural areas. Contrary to FHA loans that require a minimum of 3.5% down payment, USDA mortgages do not demand any down payment.

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



  • AloStar Bank of Commerce
  • 3595 Grandview Parkway, Suite 425, Birmingham, AL, 35243
  • Alostar Bank Of Commerce is a branch office of Alostar Bank Of Commerce. They provide the following services: Full Service Office Location and are located at 3595 Grandview Parkway, Suite 425 in Birmingham Alabama. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number
  • SouthPoint Bank
  • 3501 Grandview Parkway, Birmingham, AL, 35243
  • SouthPoint Bank was launched in October 2005 by former SouthTrust Corporation executives. Steve Smith, currently Chairman, President and Chief Executive Officer got the idea of opening a Bank when the former SouthTrust Bank was purchased by Charlotte-based Wachovia Corporation in June of 2004.
  • Superior Credit Repair
  • 2746 Summit Pl, Birmingham, AL, 35243
  • Our company’s goal is to help anyone who needs a second chance at financial freedom. Superior Credit Repair can help! We do credit repair, adjustments, improvement, debt consolidation, credit disputes and boosting. If you think you have no chance at getting a mortgage, then think again because Superior Credit Repair’s services are here.
  • CSL Financial, LLC
  • 1900 International Park Dr. Suite 50, Birmingham, AL, 35243
  • At CSL, we think that this quote from inventor Thomas Edison illustrates our thinking on manufactured home lending: “The three great essentials to achieve anything worthwhile are, first, hard work; second, stick-to-itiveness; third, common sense.” It all comes down to our unique approach to Common Sense Lending.
  • MS Home Mortgage LLC
  • 7193 Jonesboro Rd, Suite 202, Morrow, GA, 30260
  • MS Home Mortgage is a mortgage lending company in Georgia that partners with wholesale lenders and investors from across the country. We help clients by offering them the right mortgage products and providing them with exceptional services to approve and close their loans quickly.
  • Kearney Trust Company
  • 310 West 92 Highway, Kearney, MO, 64060
  • Kearney Trust Company commit to consistently strive to uphold integrity, trust and exemplary service. We promise to engage in a continuous pursuit in the creation of an atmosphere in which the company can prosper and profit while serving the needs of the community and customers. Our first location was on the southwest corner of Washington.
  • Blue Ridge Bank and Trust Co.
  • 4200 Little Blue Parkway, Independence, MO, 64057
  • Blue Ridge Bank is a locally owned, community bank, established in 1958. With eight locations serving the communities of Independence, Raytown, Kansas City, Lee's Summit, and Blue Springs. Blue Ridge Bank has services to meet every need. Services include: Personal checking including high-interest checking, savings and money market accounts.
  • WCF Financial Bank
  • 401 Fair Meadow Dr, Webster City, IA, 50595
  • WCF Financial Bank is a locally-committed community bank focused on providing exceptional customer service with quality products and services. After 80 years, WCF Financial Bank has built a reputation of being a locally-committed community bank with locations in Webster City and Independence providing exceptional customer service
  • Neighbors United FCU
  • 218 Birchtree Drive, Greenwood, SC, 29649
  • Our mission is to offer superb and secure services to our members while assisting in achieving personal financial success. We strive to accomplish the credit union philosophy of “People Helping People” and to provide superior service resulting in member satisfaction. Our vision is to be our member’s financial institution.