As of 2025, in Brookings, located in the county of Brookings, SD, the USDA loan ceiling is $336,500, whereas for FHA, the cap is set at $472,030 for single-family residences.
The Lendersa® USDA loan calculator lets you evaluate and compare current rates, including USDA vs. FHA. This tool also helps ascertain the necessary income, credit score, reserves, and documentation needed for eligibility. You can explore USDA, FHA, conforming, and VA programs side by side to make an informed decision about the best option for your financial needs in .
Loan limits and down payment specifics for 2025 in Brookings, Brookings, SD
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA loan plans in Brookings, SD
Lendersa® is committed to promptly securing the best USDA or FHA loan for you with minimal fuss. Choose one of three starting points to match with lenders and explore USDA loan options efficiently.
USDA home loans, guaranteed by the U.S. Department of Agriculture, are available for rural areas and commonly referred to as USDA rural development loans or USDA mortgages. These loans differ from FHA loans, which require at least a 3.5% down payment since USDA mortgages do not demand any down payment at all.
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