FHA Vs. USDA loan program for Winchester, Randolph County, Indiana

As of 2026, the USDA loan limit for Winchester in Randolph, IN, is $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today’s best rates for USDA versus FHA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial situation in .

Loan Options: USDA and FHA in Winchester, IN

Lendersa® aims to secure the best USDA or FHA loan options for you quickly and without hassle. Choose one of the three starting points to align with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in IN

The USDA home loan, backed by the U.S. Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. FHA loans require at least a 3.5% downpayment, while USDA loans need none.

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Winchester Lenders
(260) 726-2142 Lender's profile and map Crossroads Financial Federal Credit Union 1102 W Votaw Street, Portland, IN, 47371 Lends in Indiana CrossRoads Financial Federal Credit Union is committed to providing the services that our members need now and in the future. Our mission will always be to help our members meet their financial needs, one CrossRoads at a time. While much has changed since 1950, the credit union continues to follow the journey set by our founding members.
(765) 489-4571 Lender's profile and map Perfect Circle Credit Union 631 E Main St., Hagerstown, IN, 47346 Lends in Indiana Perfect Circle Credit Union has served working families in Wayne and Henry Counties, helping them meet their financial needs and achieving their goals. Almost ninety years later we are still dedicated to the philosophy of “People Helping People”, and helping our members build better lives.
(765) 284-1015 Lender's profile and map Thrive Credit Union 4501 South Delaware Drive, Muncie, IN, 47302 Lends in Indiana Thrive Credit Union was founded in 1940 by the employees of Delco Battery. These employees joined together to establish a financial service dedicated to serving the hard working, faithful employees of Delco Battery and their families. Over the past 81 years, Thrive Credit Union has been a part of the Delaware County community.
(765) 284-3471 Lender's profile and map First County Federal Credit Union 1100 W 11th Street, Muncie, IN, 47302 Lends in Indiana First County Federal Credit Union in Muncie, Indiana is where free checking still rules and loan deals run wild. With physical branches on Muncie's diverse south and east sides, First County FCU provides real help for real people.Membership is open to anyone who lives, works, goes to church or goes to school in Delaware County, Indiana. And members
(765) 962-2581 Lender's profile and map First Bank Richmond, National Association 20 North 9th Street, Richmond, IN, 47374 Lends in Indiana First Bank Richmond is a community-oriented financial institution headquartered in Richmond, Indiana. First Bank Richmond provides full banking services to individuals and businesses through its eight branches located in Indiana and five branches and one loan production office in Ohio.