USDA VS FHA in Rapid-City, Pennington County, SD

In 2025, the USDA loan ceiling in Rapid-City, within Pennington county, SD, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates of today. Determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the right program for your particular financial situation, especially in .

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2025 Loan Limits and Downpayment Requirements in Rapid-City, Pennington County, SD

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Rapid-City, SD

Lendersa® aims to secure the best USDA or FHA loan for you quickly and without hassle. Choose from three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in SD

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Capstone Mortgage LLC
  • 31 Lupi Ct, Suite 120, Palm Coast, FL, 32137
  • Families, singles, veterans, retirees, first-time or repeat buyers – no matter who we serve, our #1 goal is to bring a personal approach to the home financing process. We understand that mortgages are much more than just rates and terms. Kris Wiltfong CEO and President of Capstone Mortgage, LLC
  • Pillar Mortgage LLC
  • 25 Old Kings Road North, Suite 3A, Palm Coast, FL, 32137
  • "At Pillar Mortgage we pride ourselves in having mortgage loan programs for everyone: from low risk buyers to those with less than perfect credit. Our highly trained loan officers work closely with realtors and their perspective buyers in making the loan process a positive experience for all parties, from start to finish."
  • Security Financial Mortgage Corp LLC
  • 24 West Main Street, Unit B, Clinton, CT, 06413
  • Security Financial Mortgage Corp., is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Direct Lending Group Inc
  • 3443 Deltona Blvd, Spring Hill, FL, 34606
  • Direct Lending Group, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • GFA Federal Credit Union
  • 229 Parker St, Gardner, MA, 01440
  • GFA Federal Credit Union is a full service, Member-owned, community financial institution serving Central Massachusetts & Southern New Hampshire, with branch locations in Ashburnham, Gardner, Hubbardston, Keene, Leominster, Peterborough, Rindge, Rutland & Winchendon. Offering Personal, Business, Investment & Insurance solutions to help buy a home.
  • MSB Home Loans Inc.
  • 17715 Fancy Lane, Hudson, FL, 34667
  • Matthew Bouchard President Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice
  • Suarez Home & Finance Corp.
  • 3087 Anderson Snow Rd, Spring Hill, FL, 34609
  • Suarez Home & Finance Corporation is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools.
  • E Loans Mortgage
  • 13789 Linden Dr, Spring Hill, FL, 34609
  • At E Loans Mortgage Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Franklin Savings Bank
  • 387 Central Street, Franklin, NH, 03235
  • Franklin Savings Bank is committed to fulfilling the financial services needs of the families and businesses in New Hampshire. We consistently deliver superior quality service that exceeds the expectations of our customers. As an community savings bank, we acknowledge the importance of improving our customers'​ financial position.
  • Essex Savings Bank
  • 35 Plains Road, Essex, CT, 06426
  • Essex Savings Bank is a FDIC insured, state chartered, mutual savings bank established in 1851. The Bank serves the Connecticut River Valley and shoreline with six offices in Essex (2), Chester, Madison, Old Lyme and Old Saybrook providing a full complement of personal and business banking. Financial, estate, insurance
  • Corner Mortgage
  • 56 Plains Road, Essex, CT, 06426
  • "We encourage people to call with any questions they may have about the mortgage or home buying process. We gladly give free consultations and pre-qualifications. We believe it is very important for borrowers to understand the entire mortgage process. We are open Monday through Friday, and Saturday and Sunday by appointment."
  • C2 Financial Corporation Port Richey
  • 6710 Embassy Blvd, Suite 202, Port Richey, FL, 34668
  • C2 Financial Corporation is one of the nation’s largest mortgage brokers, home to over 700 loan originators. We have been ranked a Top 50 Mortgage Lender in the Scotsman Guide and employ several of Scotsman’s Top 500 loan originators in the country. In addition, we were recently ranked in the Top 20 Best Companies to Work