In 2026, within Ranchettes in Laramie, WY, the USDA loan limit for a single-family home is set at $336,500. In contrast, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA vs. FHA rates. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator enables side-by-side analysis of USDA, FHA, Conforming, and VA options, assisting you in selecting the best program for your specific financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to secure the most suitable USDA or FHA loan for you swiftly and without hassle. Choose one of the three methods to connect with lenders and explore USDA loan offerings.
The USDA home loan, endorsed by the Department of Agriculture and also called the USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. In contrast to FHA loans requiring a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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