In 2026, the USDA loan limit for Gardnerville in Douglas, NV is $455,400, while the FHA limit for a single-family home is $657,800.
Leverage the Lendersa® USDA loan calculator to evaluate the top USDA versus FHA rates today, determine essential income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you ascertain which option best suits your financial conditions, including regions like
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| Loan Type | Loan Limit | Down Payment |
| USDA | $455,400 | 0% |
| FHA | $657,800 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to swiftly secure the best USDA or FHA loan for you, without hassle. Start with one of three approaches to find the optimal match with lenders and USDA loan programs.
A USDA home loan, endorsed by the Department of Agriculture, known as a USDA rural development loan, is available exclusively in rural areas. It contrasts with the FHA loans, which require a minimum down payment of 3.5%. USDA loans require no down payment at all, offering a substantial benefit in specific rural localities.
Enter your location to find out if it qualifies for USDA rural housing loan?
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