USDA VS FHA in Sioux-Falls, Minnehaha County, SD

In 2025, the USDA loan ceiling in Sioux-Falls, within Minnehaha 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 Sioux-Falls, Minnehaha 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 Sioux-Falls, 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?



  • Allcredit Home Loans, Inc
  • 228 Baltimore Street, Hanover, PA, 17331
  • We offer many low & NO down payment financing options.And in many cases the seller can pay part or all of your closing costs so you can purchase a home with not a lot of money.All Credit Home Loans Inc is located in Hanover, PA, USA & is part of the Activities Related to Credit Intermediation Industry. All Credit Home Loans Inc has 2 total employee
  • Affordable Home Mortgage, Inc.
  • 300 Baltimore Street, Hanover, PA, 17331
  • Affordable Home Mortgage, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Potomac Mortgage Advisors LLC
  • 46169 Westlake Drive, Potomac Falls, VA, 20165
  • our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • SPOKANE MEDIA FEDERAL CREDIT UNION
  • 6103 N Astor Street, Spokane, WA, 99208
  • Spokane Media Federal Credit Union. The original mission of the credit union was to encourage savings and grant members easier access to money for use in emergencies. SMFCU expanded its field of membership in 1973 to include radio, television and newspaper employees. Because we are a federally chartered institution, we adhere to guidelines that ens
  • Bank of Pensacola
  • 5560 West Highway 98, Pensacola, FL, 32507
  • Since 1973, Bank of Pensacola has been dedicated to the needs of local service members and their families. It began with Admiral John Dale Price’s desire to provide a full service bank dedicated to the service member aboard Naval Air Station Pensacola. The dream of a bank that could help service members worldwide became a reality when our founder
  • Integrity Mortgage Group
  • 191 H NC Hwy 42 N, Asheboro, NC, 27203
  • Integrity Mortgage Group offers wide range of lending programs, including first time home buyer/FHA loans as well as loans for well-established customers thinking about second homes, vacation homes, investment properties, rental units, and "fixer-uppers." We also have a variety of money-saving refinancing options.
  • First Columbia Bank & Trust Co.
  • 232 East Street, Bloomsburg, PA, 17815
  • First Columbia Bank & Trust Co. has been Columbia County’s community bank for nearly 120 years. With more than $709.5 million in assets as of December 31, 2017, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia and Montour Counties and the surrounding area.
  • First Choice Mortgage, Inc.
  • 217 Davis Rd,, Augusta, GA, 30907
  • First Choice Mortgage in Augusta, GA houses an experienced, dedicated, and knowledgeable team. We are one of the best mortgage lenders and brokerage firms serving the lending needs of real estate professionals, builders, and individual homebuyers throughout Georgia and South Carolina since 1992.
  • AUGUSTA MORTGAGE CO.
  • 243 Davis Road, Augusta, GA, 30907
  • Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender
  • My Pensacola Credit Union
  • 108 South Reus Street, Pensacola, FL, 32502
  • My Pensacola CU is a not-for-profit financial institution run for the benefits of "you" — our members. Credit Unions are member owned cooperatives. The earnings of your credit union, after expenses and reserves, are returned to the member-owners in the form of higher dividends, low cost loans and services.
  • Members First Credit Union
  • 251 West Garden Street, Building I, Pensacola, FL, 32502
  • Members First Credit Union of Florida Credit Union has been open since 1954 and alsoMember’s First Credit Union As a member of MembersFirst Credit Union of Florida, you are an owner of your financial institution, not just a customer. Credit Unions were established with people like you in mind-people who work for a living, save and borrow.