USDA Vs. FHA your options comparison in Kokomo, Howard County, IN

In 2025, the USDA loan limit in the city of Kokomo, within Howard County, IN, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to explore today’s best USDA versus FHA rates, identifying required income, credit score, reserves, and paperwork for qualification. With our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side to determine which program in best suits your financial needs.

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2025 Loan Limits and Downpayment Requirements in Kokomo, Howard 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 Kokomo, IN

Lendersa®'s mission is to swiftly connect you with the best USDA or FHA loan, free of any complications. Choose from three starting points to align with lenders and explore USDA loan possibilities.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in IN?

The USDA home loan, backed by the Department of Agriculture and commonly called a USDA rural development loan or USDA mortgage, is available only in rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans require no down payment whatsoever.

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



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