USDA Vs. FHA Pro and Con comparison in South-Bend, St. Joseph County, IN
During 2025, the USDA loan limit for South-Bend in St. Joseph, IN, is $285,000, while the FHA limit for a single-family home is $356,362.
Make use of Lendersa®'s USDA loan calculator to compare current USDA versus FHA rates, determining the requirements for income, credit, reserves, and documentation. Our advanced mortgage tool lets you compare USDA, FHA, Conforming, and VA options side by side to help find the best fit for your financial situation in .
2025 Loan Limits and Downpayment Requirements in South-Bend, St. Joseph County, IN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in South-Bend, IN
Lendersa® aims to quickly provide you the best USDA or FHA loan without hassle. Choose from three starting points that link you with lenders and USDA loan options.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages require no down payment at all.
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5349 Crenshaw Blvd, Suite 101, Los Angeles, CA, 90043
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