In the year 2026, the USDA loan limit in Ingenio, situated in Toa Baja, PR, is $336,500, while the FHA ceiling for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates, helping determine the income, credit status, reserves, and documentation necessary for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans to help you select the most suitable program for your financial scenario 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% |
The goal of Lendersa® is to quickly secure the best USDA or FHA loan without difficulty. Choose from one of three starting points to match with lenders and explore the USDA loan programs available.
A USDA home loan, more commonly known as a USDA rural development loan or USDA mortgage, is supported by the U.S. Department of Agriculture and is exclusively offered in rural locations. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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