In 2026, the USDA loan limit in South-Sioux-City, within the county of Dakota, NE, is $285,000, while for a single-family home, the FHA limit is $356,362.
Use the Lendersa® USDA loan calculator to assess the best current rates for USDA versus FHA loans. Determine the necessary income, credit score, reserves, and documentation required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which option 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 aim of Lendersa® is to help you secure the optimal USDA or FHA loan swiftly and with ease. Choose one of three initial steps that connect you with lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, there is no down payment necessary for a USDA mortgage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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