USDA Vs. FHA Pro and Con comparison in Winchester, Randolph County, IN
As of 2025, 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 .
2023 Loan Limits and Downpayment Requirements for Winchester, Randolph, IN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional
$726,200
3%
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.
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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