Throughout 2025, the USDA loan limit in Bel-Aire, situated in the county of Sedgwick, KS, is $285,000, whereas the FHA limit for a single-family residence is $356,362.
By using the Lendersa® USDA loan calculator, you can evaluate the most current USDA versus FHA rates to find the best deal. Determine the necessary income, credit score, reserves, and documentation needed to qualify. This advanced calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program for 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 swiftly and efficiently connect you with the optimal USDA or FHA loan. Choose one of three starting points that lead to matching lenders and USDA loan programs.
USDA home loans are guaranteed by the U.S. Department of Agriculture, known as USDA rural development loans or USDA mortgages, intended for rural communities exclusively. Contrary to FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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