In 2026, the USDA loan limit for North-Sioux-City, located in Union, SD, is $285,000. For a single-family home, the FHA limit is $356,362.
The Lendersa® USDA loan calculator lets you compare today's most favorable USDA and FHA rates, evaluating required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA options side by side, helping you determine which program best suits your financial scenario 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 focused on securing the best USDA or FHA loans for you quickly and without hassle. Select from three entry points that connect you with suitable lenders and USDA loan programs.
A USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture. Available solely in rural areas, these loans do not require a down payment, unlike FHA loans that need at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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