USDA and FHA Pro and Con in North-Terre-Haute, Vigo County, IN
For 2026, the USDA loan cap in North-Terre-Haute, within Vigo, IN, is $285,000, while the FHA limit for a single-family home is $356,362.
Utilize Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today, assessing the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you determine which program in best aligns with your financial circumstances.
2026 Loan Limits and Downpayment Requirements in North-Terre-Haute, Vigo, IN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Offerings in North-Terre-Haute, IN
The primary aim of Lendersa® is to obtain the best USDA or FHA loans for you quickly and smoothly. Choose from three available starting paths that connect you with lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan or mortgage—is exclusively available in rural areas. Unlike FHA loans that necessitate a minimum of 3.5% down, USDA loans require no down payment.
Terre Haute Savings Bank operates as a full-service bank. The bank offers saving accounts, loans, mortgage, and wealth management facilities. Terre Haute Savings Bank serves customers in the State of Indiana. Count on The Hometown Savings Bank to provide practical, expert advice to help you navigate the complex and often emotional decisions.
Vigo County Federal Credit Union will serve the membership by providing cost effective services that meet members’ on-going needs and objectives and function as their primary financial institution. Vigo County Federal Credit Union is a member owned and operated financial institution with no outside investors.
ISU Credit Union, a not-for-profit financial institution owned and operated by its members, in no way resembles the modest means with which it first began. Chartered in 1960, ISU Credit Union was organized by a small group of faculty at Indiana State University who were familiar with the benefits of a credit union.
Riddell National Bank has a rich heritage in Clay County, Indiana, having received its original charter in 1885 under the name of "Zeller and Riddell Bank." A National Charter was granted in March of 1900 and the name of the Bank was changed to The Riddell National Bank. And, since that time.
First National Bank is a community bank committed to serving you better. As one of the oldest and most stable banks in the Indianapolis area, First National Bank has been a staple of the community for more than 100 years. As a full-service financial institution, we serve both individuals and small businesses alike, with a full range of banking
Western Indiana Credit Union was established in 1932 by local farmers in hopes to help the community. Since then, we have continued to grow and have expanded our services. WICU is a not-for-profit, member-owned financial institution. WICU is governed by a board of directors which are comprised of members of our community.
Owen County State Bank is a strong, local community bank located in Central Indiana. Owen County State Bank specializes in helping customers find the right financial solutions for business and retail customers. In 1922, the Citizens Bank of Freedom, Indiana was organized as a private bank. In the late 1920s, many businesses had gone bankrupt, inclu
