USDA and FHA Pro and Con in Martinsville, Morgan County, IN

In 2026, the USDA loan limit for Martinsville, which is in Morgan county, IN, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates and identify the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator enables you to see USDA, FHA, Conforming, and VA options side by side, aiding in selecting the ideal program tailored to your financial needs in .

Review loan offers from 100 lenders.

2026 Loan Limits and Downpayment Requirements in Martinsville, Morgan, IN

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Martinsville, IN

Lendersa® strives to connect you with the best USDA or FHA loans quickly and without complications. Choose from one of three starting pathways that lead to finding matching lenders and appropriate USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IN

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Sauk Mortgage Group LTD
  • 1880 Mackenzie Drive, Suite 107, Columbus, OH, 43220
  • Joe Sauk has been Originating mortgage Loans since 1993. Sauk Mortgage licensed in both Ohio and Florida. Sauk Mortgage Group offers many mortgage programs including Conventional, Jumbo, FHA, and VA loans. Sauk Mortgage Group mission is to serve his customer with honesty, integrity.

  • HealthCare Associates Credit Union.
  • 1151 East Warrenville Road, Naperville, IL, 60563
  • As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value with products and services including savings, checking, investments, loans, credit cards, and 24/7 access to your money via mobile, Internet and telephone.

  • Vincent Viriyakul Residential & Commercial Financing & Real Estate
  • 1754 N. Washington St, Suite 128B, Naperville, IL, 60563
  • Great Mortgage Company Inc. 1754 N Washington St, Ste 128B Naperville, IL 60563 is an Illinois Residential Mortgage Licensee. Great Mortgage Company Inc is an approved FHA lender, not an agency of the U.S government. All loans are subject to final lender approval. Programs, rates, terms and conditions may change without notice.

  • CIBM Bank
  • 1811 Centre Point Drive, Suite 123, Naperville, IL, 60563
  • full-service banking offices you'll find a full array of Personal and Business banking services and products to help you create the life you want and to help your business continue to be successful. We work hard to be your partner and we understand that this means listening and responding to the unique needs of you.

  • Prosperity Co
  • 1730 Park Street, Suite 200A, Naperville, IL, 60563
  • "Prosperity Co. is a Massachusetts Foreign Corporation filed On August 13, 2021. The company's File Number is listed as 001526020.

    The Registered Agent on file for this company is Yang Liu and is located at 75 Tyler Rd, Weston, MA 02493. The company's principal address is 1730 Park St, Suite 200a, Naperville, IL 60563."

  • Professional Mortgage Solutions Inc
  • 1776 Legacy Circle, Naperville, IL, 60563
  • Our mortgage team members give you the personal attention you deserve and treat you with the respect due a valued customer. You are making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So here's our commitment to you: we will help you qualify, apply and be approved for the ideal mortgage loan for you

  • Southern Michigan Bank & Trust
  • 51 W Pearl St, Coldwater, MI, 49036
  • SMB&T is a community bank serving Branch, Calhoun, Hillsdale and St. Joseph Counties in Michigan. SMB&T moves into the future, one thing its customers can always count on is that they will enjoy Banking As It Should Be. People at SMB&T build trusting relationships with customers by providing friendly, personal financial services.

  • Community Bank of Elmhurst
  • 330 West Butterfield Road, Elmhurst, IL, 60126
  • The Mission of Community Bank of Elmhurst is to provide superior, personalized banking services, valuing our customers and community first. Community Bank of Elmhurst, in Elmhurst, IL, is one of the area's leading banks serving Elmhurst and surrounding areas. We specialize in checking and savings accounts, personal and commercial banking.