USDA Vs. FHA Pro and Con comparison in Sun-Valley, Washoe County, NV

In 2026, the USDA loan limit for Sun-Valley, in Washoe, NV, is $368,000, while for FHA it is $460,000 for single-family homes.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates and find out the necessary income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in Alabama.

Compare loan offers from 100 lenders

2026 Loan Limits and Downpayment Details in Sun-Valley, Washoe, NV

Loan Type Loan Limit Down Payment
USDA $368,000 0%
FHA $460,000 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Sun-Valley, NV

Lendersa® aims to get you the best USDA or FHA loans quickly and easily. Choose from three starting points to find matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NV

The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan, is only available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Firstmark Credit Union
  • 2023 Gold Canyon Drive, San Antonio, TX, 78232
  • In 1932, during the Great Depression, ten teachers agreed to establish a credit union to serve educators. San Antonio Teachers Credit Union (SATCU), the first state-chartered credit union in San Antonio, was born and proudly served members under that name for 70 years. In 2002, SATCU became Firstmark Credit Union.

  • Lone Star Capital Bank, National Association
  • 150 N Loop 1604 East, San Antonio, TX, 78232
  • Lone Star Capital Bank (LSCB) is headquartered in San Antonio, Texas. LSCB’s formation was completed when Clear Lake National Bank and Mission Bank merged into one, and the new bank began operations on June 1, 2003. On September 30, 2012, LSCB completed its acquisition of Cattleman’s National Bank, headquartered in Johnson City, Texas.

  • All About Texas Vet Loans
  • 211 N. Loop 1604 E, Suite 260, San Antonio, TX, 78232
  • We are a Mortgage Banking firm, not a Mortgage Broker. The biggest single difference is that Mortgage Banking firms lend their own money. Mortgage Brokers assemble your information, then go out on the open market and place your file in someone else’s hands. We never lose control of your file, because we never give your file to anyone else.

  • Megamerica Mortgage Group, INC
  • 17020 San Pedro, San Antonio, TX, 78232
  • Megamerica Mortgage Group, Inc. operates as a full service mortgage broker and correspondent lender. Megamerica was founded in 1994 by Ron Wakefield as a vehicle for mortgage brokers and loan officers to increase their profits by going into business for themselves, yet still having the benefits of a larger company.

  • MARQUEE MORTGAGE
  • 16410 Blanco Road, Suite 3, San Antonio, TX, 78232
  • Marquee Mortgage offer the best mortgage tools available on the Internet easy, convenient, on-line shopping for the best loan programs and most current rates available, together with the assistance of an experienced, "live" TRUSTED ADVISOR to guide you through the often difficult and confusing process.

  • Searchers Capital
  • 17890 Blanco Rd, Suite 309, San Antonio, TX, 78232
  • Searchers Capital was formed by a real estate investor for real estate investors.We provide value to investors in three ways: speed,certainty of execution & property consultation.The majority of our loans close very fast after the loan application is submitted.We also invest in properties in all of our markets ourselves so we can add value for you

  • REVOLUTION MORTGAGE
  • 13750 San Pedro, San Antonio, TX, 78232
  • Revolution Mortgage (NMLS #1686046) is a nationwide lender that offers lower rates and payments for refinancing and home purchase loans. We leverage technology to boost efficiencies in the loan process to give you a lower rate, faster closing, and a brand experience that's ridiculously amazing. Founded in Columbus, Ohio,

  • Pilgrim Mortgage
  • 1270 N. Loop 1604 E, Suite 100, San Antonio, TX, 78232
  • Pilgrim Mortgage is a full-service, residential mortgage bank founded in 2006 and headquartered in San Antonio, Texas. With superior talent, we offer a truly personalized mortgage lending experience tailored to meet your individual financial goals. Our mission is to match each of our clients with the right loan.

  • US West Financial Corporation
  • 1864 Berkshire Ln N, Plymouth, MN, 55441
  • US West Financial Our goal is to make you happy with getting the best deal on your home loan. Our business success depends on your satisfaction. We believe that satisfied clients will bring more referrals to us The mortgage rates go up and down. Please let us have a chance to watch the rate for you. We will help you lower your house payment

  • Alamo Loan Co
  • 534 Bandera Rd, San Antonio, TX, 78228
  • Alamo Loan Company is committed to providing you with the convenient financial options that you need to reach your goals. We treat every customer like family and we are passionate about excellent customer service. Reach out to us for an easy and affordable personal loan or title loan.