USDA Loan Vs. FHA loan for Sturgis, SD [Meade County ]

In 2026, the USDA loan limit in Sturgis, county of Meade, SD rests at $336,500, while the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to examine today's optimal USDA versus FHA rates. This tool evaluates necessary income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA options side by side, helping determine which program in is best suited for your financial needs.

Understanding USDA and FHA Loan Options in Sturgis, SD

Lendersa® works to provide you the best USDA or FHA loan quickly and efficiently. Choose from three starting points for aligning with matched lenders and exploring USDA loan programs.

Lendersa USDA loan request and matching outcomes

What is a USDA Loan in SD?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture. It is exclusively available in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, no down payment is necessary for USDA mortgages.

Employing Lendersa®'s cutting-edge mortgage tools allows for a thorough comparison of loan limits and requisite downpayments for USDA, FHA, and conventional home loans. Our platform supports the selection process for loan programs best fitting your financial ambitions within Meade county—facilitating a straightforward and efficient application process.

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Sturgis Lenders
(605) 342-9451 Lender's profile and map Rushmore Electric Federal Credit Union 1715 Cambell Street, Rapid City, SD, 57701 Lends in South Dakota Rushmore Electric Federal Credit Union was formed to assist employees and directors of rural electric cooperatives with their financial needs and planning in September 1964. Credit Unions are non-profit financial cooperatives and member-owned, just like rural electric cooperatives.
(605) 341-1203 Lender's profile and map First Western Federal Savings Bank 402 Main St, Rapid City, SD, 57701 Lends in South Dakota At First Western Federal Savings Bank, you’ll find an honesty from our non-recourse lenders that you won’t find anywhere else. We take extraordinary pride in providing simple, straightforward answers to your very important questions about buying investment real- estate. As a portfolio lender for over 30 years.
(605) 342-7776 Lender's profile and map Med 5 Federal Credit Union 4956 5th Street, Rapid City, SD, 57701 Lends in South Dakota We strive to create a high-performance credit union committed to offering our members a competitive advantage on products and service compared to traditional lenders and big banks. Through our commitment to become our members’ primary financial institution, we shall consistently and constantly strive to assist members to attain their personal
(800) 672-6365 Lender's profile and map Highmark Federal Credit Union 725 5th St, Rapid City, SD, 57701 Lends in South Dakota Highmark Federal Credit Union is Rapid City’s first credit union. Originally chartered as Rapid City Teacher’s Federal Credit Union in 1940, we are a member-owned, not-for- profit financial cooperative with six locations serving anyone located across 11 counties in Western South Dakota and Eastern Wyoming.
(605) 718-1818 Lender's profile and map Black Hills Federal Credit Union 200 Main Street, Rapid City, SD, 57701 Lends in South Dakota BHFCU has been a part of buying thousands of first cars and starter homes. We've helped hundreds go to school or back to school. Our credit cards and debit cards have bought a lot of birthday presents and groceries. We've believed in small businesses when they were little more than an idea.
(605) 646-2800 Lender's profile and map Unify Home Lending 2101 Mt. Rushmore Rd, Suite 300, Rapid City, SD, 57701 Lends in South Dakota We are the Midwest's newest Mortgage Lender! Backed by tremendously experienced, ethical, and hardworking individuals; we have over 100 years combined experience and knowledge in the mortgage industry. In a day where it seems everyone is franchising or net branching, we are breaking out of the mold to provide better service.
(605) 391-8777 Lender's profile and map OMNI HOME FINANCING LLC 1508 Mt Rushmore Road, Rapid City, SD, 57701 Lends in South Dakota Omni Home Financing in 2003, and is a leader in the Black Hills mortgage marketplace. A locally owned, boutique mortgage broker serving over 3,000 clients and over $493,000,000 funded, Omni has a great reputation for smooth, on-time, no surprises closings with the best terms, and also Black Hills marketplace in wholesale mortgage lending.
(605) 484-3591 Lender's profile and map HERITAGE HOME LENDING 2209 Mount Rushmore Rd, Suite 1, Rapid City, SD, 57701 Lends in South Dakota Heritage Home Lending is a Mortgage Brokerage founded in Rapid City, SD. The goal is your peace of mind. The goal is to earn your trust and exceed your expectations. Jesse Herrington and Brady MacIver are two very experienced loan officers that will be working diligently on your behalf.
(605) 923-1405 Lender's profile and map Sentinel Federal Credit Union 22752 Mule Deer Trail, Box Elder, SD, 57719 Lends in South Dakota Sentinel Federal Credit Union has been guarding and protecting the financial well-being of our members since 1955. As a community Credit Union, many of us were born and raised in the communities that we serve. Because of that, we make our decisions right here at the Credit Union. Some places have local branches. We have local roots.