In 2026, the USDA loan limit stands at $336,500 in Oakwood, located in Montgomery, OH, while the FHA limit for a single-family home is set at $472,030.
Use the Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates available today, and find out about the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator allows you to examine USDA, FHA, Conforming, and VA loans side by side, helping you decide which option in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to provide you with the optimal USDA or FHA loan swiftly and effortlessly. Choose one of three initial paths that connect you with lenders and USDA loan programs.
The USDA home loan is government-backed by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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