In 2026, the USDA loan limit for a single-family home in Racine, located in the county of Racine, WI, is set at $336,500, whereas the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to assess the most favorable USDA versus FHA rates available today. This tool helps you understand the income, credit scores, reserves, and required documents to qualify. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conventional, and VA options side by side, aiding your choice of the ideal program in <Alabama> to suit your financial needs.
Evaluate loan proposals from a network of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming Conventional | $726,200 | 3% |
Lendersa® is committed to swiftly providing you with the optimal USDA or FHA loan without complications. Choose from three starting points to connect with matching lenders and explore USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture, is also called a USDA rural development loan or USDA mortgage, available only in rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans have no down payment requirement at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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