USDA Vs. FHA your options comparison in Mishawaka, St. Joseph County, IN
In 2025, the USDA loan limit in Mishawaka, part of St. Joseph, IN, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize Lendersa®'s USDA loan calculator to compare the latest USDA vs. FHA rates, determining the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to assist in choosing the optimal program in for your financial situation.
2025 Loan Limits and Downpayment Needs in Mishawaka, St. Joseph 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 Mishawaka, IN
Lendersa® aims to deliver the best USDA or FHA loan quickly and without trouble. Choose from three starting points to connect with lenders and explore loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and known as a rural development loan, is available exclusively in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA mortgages require none.
We have been providing people with affordable, trustworthy financial services for over sixty years. We started in 1957, when a small group of workers in the aerospace industry banded together. Back then, we were known as the Sperry Phoenix Employees Federal Credit Union. Through a series of mergers and acquisitions of our core sponsor
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6909 West Ray Road, Building 15, Suite 100, Chandler, AZ, 85226
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