For the year 2026, the USDA loan limit in Spring-Creek, part of Elko county in NV, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's best rates comparing USDA and FHA. Determine the income, credit, reserves, and documentation needed to qualify for a loan. Our advanced mortgage calculator gives you a side-by-side view of USDA, FHA, Conforming, and VA options, enabling an informed decision about which program 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% |
Lendersa® aims to swiftly secure the most appropriate USDA or FHA loan without hassle. Initiate with one of three pathways that pair you with compatible lenders and USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture, often known as a USDA rural development loan or USDA mortgage, is exclusively available in rural locales. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage necessitates no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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