In the year 2026, the USDA loan limit within Reno, located in the county of Washoe, NV, is established at $427,800. In contrast, the FHA loan limit for a single-family home is set at $621,000.
Utilize the powerful Lendersa® USDA loan calculator to compare the top rates of USDA against FHA today. This tool assists in determining the income, credit profile, reserves, and required documents to qualify. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side, all helping you determine which program in best fits your unique financial situation.
2026 Loan Limits and Downpayment Requirements in Reno, County of Washoe, NV
Loan Type
Loan Limit
Down Payment
USDA
$427,800
0%
FHA
$621,000
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Reno, NV
Lendersa® strives to quickly connect you with the best USDA or FHA loan options available, ensuring a smooth and hassle-free process. Select one of three starting points designed to effectively match you with compatible lenders and specific USDA loan offerings.
What is a USDA loan? A USDA home loan is a government-backed mortgage guaranteed by the Department of Agriculture. Known also as a USDA rural development loan or USDA mortgage, it is offered in rural communities only. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not necessitate any down payment whatsoever, making it an attractive option for many.
To help individuals and companies reach their goals by providing services that meet their needs. This will be done by creating win - win situations that promote integrity. We value character and experience and believe that everyone is capable of contributing to the value proposition.
Heritage Bank of Nevada was founded in 1995, in Northern Nevada. Today, we have seven branches focusing on the Northern Nevada area located in Reno, Spanish Springs, Carson City and Carson Valley. Our goal has always been to our community's finest small and mid-sized business bank, and our focus has led to success and profitability.
Since 1952, the Reno City Employees Federal Credit Union has been offering savings and loan services to our members.
Our membership is open to employees and retirees of the City of Reno, the Reno Housing Authority, and the Airport Authority, as well as their immediate families
Epic Capital Solutions, we all come to work every day because we want to solve one of the biggest problems faced by entrepreneurs: Not having enough money to start, build or grow your dream business. We find that most people looking to fund their businesses do not possess the tools or resources needed to properly structure themselves for successful
5250 South Virginia St, Suite 360, Reno, NV, 89502
Lends in Nevada
Our goal is to deliver the very best mortgage options possible for your specific requirements... no matter the circumstances. To learn more, click on the links to the left. and We are committed to maintaining an effective and efficient organization that is open and responsive to the needs.
US Financial is located in Reno, Nevada & has built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, home builders and helping individuals and families achieve the dream of home ownership throughout Nevada. We understand you have a choice and we want to be your first choice every time.
Umpqua Bank You, your life, your money management style—all things that are more important to us than the size of your balance. We pair financial expertise with a passion for getting to know you as an individual—and it’s not just because we’re looking for new gym buddies. We’re on a mission to help you manage.
Great Basin Federal Credit Union has been a member of the community since our charter on January 11, 1951. What began as a 50 member credit union for Reno-Bell Phone Company employees has grown to a community chartered credit union serving over 20, 000 people. Our philosophy of building personable relationships.
Sierra Pacific is a not-for-profit, member-owned financial institution. Combine the technology of a big bank with the trust and service of a local co-op, and you'll have an idea of what to expect from this credit union. They offer sophisticated online and mobile banking with mobile deposit and bill pay options.
Home Wealth Funding is a locally owned and operated mortgage company based in Northern Nevada focused on attention to detail, hard work, leveraging the team, building trust, working smart and learning. In addition we need to have fun, enjoy life, give back and above all, provide customers low interest rates.
