USDA Vs. FHA Pro and Con comparison in Harrisburg, Lincoln County, SD
In 2026, the USDA loan limit in Harrisburg, located in the county of Lincoln, SD, is $336,500. However, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, determining the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Harrisburg, County of Lincoln, SD
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Overview of USDA and FHA Loan Options in Harrisburg, SD
The main aim of Lendersa® is to quickly secure you the most suitable USDA or FHA loan with minimal hassle. Choose one of three starting paths leading to matched lenders and relevant USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available exclusively in rural neighborhoods. In contrast to FHA loans requiring a minimum of 3.5% down payment, USDA loans require none.
CU Mortgage Direct LLC is a South Dakota Limited Liability Company, NMLS# 198895. We are a mortgage banker/direct lender for all types of home loans. Since we are owned by credit unions, we have a strong financial backing and we can pass that savings on to you. With over 150 years of combined experience, we can help you obtain the right loan.
Fishback Financial Corporation (FFC) is the parent company of First Bank & Trust. One of South Dakota's largest privately held financial holding companies, FFC has 22 First Bank & Trust locations in 17 towns in South Dakota and Minnesota We are proud to be a family- and employee-owned community bank.
First Dakota National Bank has eighteen locations throughout South Dakota and five Loan Production Offices in South Dakota and Nebraska, all designed to make banking easy for you. Our Mission: To anticipate, meet and exceed our customers' expectations. We will strengthen our communities by providing time, talent and resources.
4930 S Western Ave, Suite, Suite 100, Sioux Falls, SD, 57108
Lends in South Dakota
"First International Bank & Trust started as a single branch in Arnegard, North Dakota, and over 109 years has evolved into a bank with 28 locations in North Dakota, Minnesota, and Arizona. We offer more than just banking. Our suite of expanded services is what makes us a full-service bank that our customers."
We are a family-owned comprehensive financial institution serving Our competitive advantage centers around two principles: profitability in a competitive market and our community bank mantra of "making things better" for our customers. Our competitive advantage is that we offer "big bank products with hometown service
5024 S Bur Oak Pl, Suite 113B, Sioux Falls, SD, 57108
Lends in South Dakota
Tailored Mortgage Group is one of only a few independent mortgage brokerages in all of South Dakota. Mortgage brokers differ from normal lenders in that we have the ability to work with dozens of lenders to shop for the best rates and fees for our customers. We do the shopping for you. Mortgage loans.
515 West 41st Street # 1002, Sioux Falls, SD, 57105
Lends in South Dakota
We accelerate the flow of money in the B2B (business-to-business) world.
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Voyage Federal Credit Union has a continued legacy of personal service, small business, and community support. What began as two separate credit unions, Bell Federal Credit Union and Metz McKennan – with histories dating back to World War II – blossomed into a mutually respectful merger in 2011 that encouraged growth
Keystone Mortgage has been providing superior customer service to homeowners ever since incorporating in Sioux Falls in 1993. With over $60 million in funding each year, Keystone provides not only the very best loan options available to homeowners, but we also provide superior knowledge gained through years of experience.
