As of 2026, the USDA loan limit for a single-family home in Union-City in the county of Randolph, IN, is $285,000. Meanwhile, the FHA loan limit is set at $356,362.
Leverage the Lendersa® USDA loan calculator to ascertain today's premium rates alongside USDA versus FHA options, thereby evaluating the requisite income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator facilitates a comparative view of USDA, FHA, Conforming, and VA loans concurrently, aiding you in selecting the option best suited to your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to efficiently secure you the most favorable USDA or FHA loan with utmost ease. Choose from three starting points that match you with suitable lenders and available USDA loan programs.
The USDA home loan, alternatively known as a USDA mortgage or USDA rural development loan, is backed by the U.S. Department of Agriculture. It is specifically available in rural areas, unlike FHA loans that mandate a 3.5% minimum down payment. USDA loans require no initial down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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