In 2026, the USDA loan limit for Lead, located in Lawrence county, SD, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA and FHA rates, assessing what income, credit, reserves, and documents are needed for qualification. Our modern mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Lead, County of Lawrence, SD
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Lead, SD
Lendersa® aims to swiftly connect you with the best USDA or FHA loans without hassle. Begin with one of three initial steps that align you with matching lenders and suitable USDA programs.
A USDA home loan, also termed USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture. These loans are designed for rural areas and have no down payment, unlike FHA loans requiring a minimum of 3.5% down payment.
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CorTrust provides the financial solutions you need to get the most out of every day and every dollar. From the convenience of our 37 regional locations and online banking to mortgages, wealth management and insurance, you can rest assured you’ll always receive a higher level of personal service and expert advice.
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With Trailhead Mortgage working for you, you’ll have access to wholesale mortgage rates from our partner network that you won’t find online. Our focus on eliminating the hassles of getting a mortgage results in a simplified digital process that keeps the loan moving forward. we bring a consultative, and creative approach to our relationships.
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We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate.
