In 2026, the USDA loan limit for Vega-Alta, in Vega Alta, PR, is $308,200. Meanwhile, the FHA loan cap for a single-family home is $385,250.
Use Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today. Determine the necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows side-by-side analyses of USDA, FHA, Conforming, and VA options, helping you choose the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $308,200 | 0% |
| FHA | $385,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa®'s goal is to quickly secure the best USDA or FHA loan without hassle. Choose one of three starting pathways to align with matching lenders and explore available USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment, offering significant advantages to qualified buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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