USDA Vs. FHA your options 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 .

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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.

Lendersa USDA loan request and results

Understanding USDA Loans in IN

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.

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



  • Advance Mortgage & Investment Company, LLC
  • 30500 State Highway 181, Suite 460, Daphne, AL, 36527
  • At AMIC, we strive to treat all our customers like friends and neighbors, because that's exactly what you are. Based in the Southeast, we live, work, and play right alongside many of our customers. We'll always guarantee you the best loan, work with local lenders whenever possible,
  • Rock Island Credit Union
  • 320 S Rock Island Avenue, El Reno, OK, 73036
  • The El Reno RIL (Rock Island) Credit Union was founded in 1934 by employees of the CRI&P Railroad in El Reno, Oklahoma. In addition to the various employees’ groups added to our field of membership, the credit union is a community credit union serving individuals who reside, attend school, work or worship within Canadian County, Oklahoma.
  • Correctional Workers Federal Credit Union
  • 406 Reformatory Circle, El Reno, OK, 73036
  • The mission of Correctional Workers Federal Credit Union is to provide its members with professional, competent financial services. The Credit Union is committed to providing the best possible rates and servicing of the member owners while continuing to build a strong capital base. We will work together to help our members attain financial security
  • Metrowest Community Federal Credit Union
  • 200 Concord Street, Framingham, MA, 01702
  • MetroWest Community FCU is fully committed to helping individuals in our communities manage and achieve their financial goals by offering a wide range of affordable savings and loan products To helping individuals in our communities manage their financial needs by offering a wide range of affordable savings and loan products and To providing produc
  • MortgageWorkshop Inc
  • 24 Union Avenue, Suite 30, Framingham, MA, 01702
  • At MortgageWorkshop, we feel that our job is to do more than just help you find a loan. By forming strong relationships with many different lenders, we are able to research, compare, and shop your specific application to find you the mortgage product that best fits and alos we are dedicated to providing borrowers and the realtors.
  • North East Texas Credit Union
  • 1115 Lone Star Boulevard, Lone Star, TX, 75668
  • North East Texas Credit Union has been open since 1948. The credit union has assets totaling $201 Million and provides banking services to more than 14, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
  • The Mortgage Pros
  • 2 Vernon St., Framingham, MA, 01701
  • our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • OnTo Mortgage
  • 405 Cochituate Road, Suite 204, Framingham, MA, 01701
  • OnTo Mortgage is headquartered in Massachusetts and was started by by two top loan originators with over 30 years of experience. Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing.
  • Bank of New Hampshire
  • 62 Pleasant Street, Laconia, NH, 03246
  • Our mission is to remain an independent mutual financial institution, delivering innovative solutions and exceptional service, while assisting our employees, customers and communities to build brighter futures. Bank of New Hampshire has been a mutual banking organization focused on our depositors and accountable to our communities.
  • Members First Credit Union
  • 7 Salmon Street, Manchester, NH, 03104
  • At Members First, we're like pocket-sized financial superheroes - here to save the day! We're small enough to get to know you, which lets us make a big difference in your finances. So, share your goals with a member of our staff and we'll do everything we can to ensure we've made a difference for you.
  • Pinnacle Mortgage Corp
  • 835 Hanover St, Unit 301, Manchester, NH, 03104
  • The Pinnacle Mortgage Corp team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.