In 2025, the USDA loan limit in Spring-Hill, situated in the county of Johnson, KS, stands at $311,800. Meanwhile, for a single-family home, the FHA limit is $389,850.
To explore today's top USDA versus FHA rates, Lendersa® offers a USDA loan calculator. This tool helps you assess the necessary income level, credit score, financial reserves, and required documents for eligibility. By using this advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, assisting you in identifying the most appropriate program for your financial circumstances in
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| Loan Category | Maximum Loan | Down Payment | |
| USDA | $311,800 | 0% | |
| FHA | $389,850 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to quickly and effortlessly connect you with an optimal USDA or FHA loan. You can begin with any of the three pathways below to discover appropriate lenders and USDA loan packages.
A USDA home loan is secured by the Department of Agriculture, often known as a USDA rural development loan or USDA mortgage. This type of financing is intended for rural areas only. Unlike FHA loans that mandate a minimum down payment of 3.5%, USDA loans eliminate the need for any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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