In 2026, the USDA loan cap in Portland, located within Jay county, IN, is $336,500. The FHA limit for a single-family dwelling is $472,030.
Leverage the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates. Determine the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding in your decision of the most suitable program for your financial requirements in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to swiftly and effortlessly connect you to the ideal USDA or FHA loans. Choose one of three starting points that guide you to matching 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 USDA mortgage, is offered only in rural areas. In contrast to FHA loans requiring 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?
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