In 2026, the USDA loan limit in Dakota-Dunes, situated in Union county, SD, is $285,000, while the FHA limit for a single-family dwelling is $356,362.
Use Lendersa® USDA loan calculator to compare the top rates currently available for USDA versus FHA loans. This tool helps you identify the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the optimal program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is committed to providing you with the best USDA or FHA loan options quickly and with ease. Choose from three initial starting points that link you to matching lenders and USDA programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is supported by the U.S. Department of Agriculture. Specifically available in rural areas, these loans require no down payment, in contrast to FHA loans that mandate a minimum down payment of 3.5%.
Lendersa®'s advanced mortgage comparison tools enable you to effectively assess loan options, ensuring you can make informed choices about the best strategies in Union. Prepare for a streamlined application process.
Enter your location to find out if it qualifies for USDA rural housing loan?
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