In the year 2026, the USDA loan limit in Madison, found in Jefferson county, IN, is $336,500. Meanwhile, the FHA loan limit for a single-family home is set at $472,030.
Make use of the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA best rates and ascertain the necessary income, credit, reserves, and documentation to qualify. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, making it easier to decide which option in
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| Type of Loan | Maximum Loan Amount | Required Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to efficiently connect you with the best USDA or FHA loan, with minimal hassle. You can pick from three starting points that will help match you with lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and accessible exclusively in rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA mortgages demand no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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