In 2026, the USDA loan cap in Horace, located in Cass, ND, is $336,500, whereas the FHA cap for a single-family home is $472,030.
The Lendersa® USDA loan calculator helps you compare today's leading USDA versus FHA rates and determines the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, aiding your decision in choosing the optimal plan for your finances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our objective is to find you the best USDA or FHA loan promptly and effortlessly. Choose one of three starting paths to connect with matching lenders and USDA programs.
The USDA home loan, backed by the government Department of Agriculture, often referred to as the USDA rural development loan, is available solely in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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