USDA vs FHA is an important comparison for homebuyers who want a government-backed mortgage with flexible qualification options. Both loan programs may help eligible buyers purchase a primary residence, but they work very differently.
The simple answer:
A USDA loan may be better if you qualify based on property location, household income limits, and lender guidelines because it may allow no down payment. An FHA loan may be better if the home is not in a USDA-eligible area, your income is above USDA limits, or you need FHA’s broader property location flexibility.
USDA’s Section 502 Guaranteed Loan Program helps approved lenders provide loans to low- and moderate-income households buying adequate, modest, safe, and sanitary homes as primary residences in eligible rural areas. FHA loans are made by private lenders and insured by the Federal Housing Administration; CFPB explains that FHA loans may allow down payments as low as 3.5% and may allow lower credit scores than many conventional loans.
Important note: This article is for informational purposes only and is not a commitment to lend. USDA loan approval, FHA loan approval, rates, APR, fees, payment estimates, down payment, mortgage insurance, guarantee fees, income eligibility, property eligibility, seller credits, lender credits, cash to close, loan limits, appraisal results, and closing timelines depend on borrower qualifications, income, debts, credit profile, assets, property location, property details, lender guidelines, USDA rules, FHA rules, underwriting, appraisal, title, insurance, and applicable program requirements.
Key Takeaways USDA vs FHA usually comes down to property location, income eligibility, down payment, mortgage insurance/fees, credit profile, and buyer goals. USDA loans are designed for eligible low- and moderate-income households buying primary residences in eligible rural areas. USDA Rural Development says its Single Family Housing Programs may help qualifying individuals and families purchase or build a home with no money down. FHA loans may allow a down payment as low as 3.5% for eligible borrowers. USDA eligibility depends on property location and income limits. USDA provides an eligibility tool to help check whether a property is in an eligible rural area. FHA loans have county-based loan limits. HUD announced 2026 FHA forward mortgage limits, including a one-unit low-cost area limit of $541,287 and a high-cost ceiling of $1,249,125. Mortgage insurance or program fees apply to both FHA and USDA loans. CFPB says mortgage insurance is typically required on FHA and USDA loans. USDA may be stronger for eligible buyers in qualifying areas with income within limits. FHA may be stronger for buyers who need broader location flexibility or do not meet USDA income or property rules. Loan Factory can help homebuyers compare USDA, FHA, Conventional, VA, Jumbo, and other mortgage options from 240+ wholesale lenders. USDA vs FHA: Quick Comparison Feature
USDA Loan
FHA Loan
Government agency U.S. Department of Agriculture Rural Development Federal Housing Administration, part of HUD Common purpose Help eligible low- to moderate-income buyers purchase homes in eligible rural areas Help eligible buyers purchase or refinance a primary residence Down payment May allow no down payment if eligible May allow 3.5% down if eligible Property location Must be in USDA-eligible area Broader location flexibility Income limits Yes, income limits apply No USDA-style household income limit Primary residence Required Generally required Mortgage insurance/fees Upfront guarantee fee and annual fee Upfront MIP and annual MIP Credit flexibility Depends on lender and USDA rules May be flexible for some borrowers Loan limits Based more on repayment ability, income, property, and USDA rules FHA county loan limits apply Best fit Eligible rural/suburban buyers with qualifying income Buyers needing broader property location flexibility or FHA structure
The right option depends on the buyer, property, income, credit, payment comfort, and full loan comparison.
A USDA loan is a government-backed mortgage option designed to help eligible buyers purchase homes in qualifying rural or suburban areas.
The most common USDA mortgage for many homebuyers is the USDA Section 502 Guaranteed Loan Program.
USDA says this program helps approved lenders provide loans to low- and moderate-income households so they can own adequate, modest, decent, safe, and sanitary dwellings as their primary residence in eligible rural areas.
A USDA loan may be used by eligible buyers who:
Want to buy a primary residence Meet USDA income limits Buy in a USDA-eligible area Meet lender credit and income requirements Want a low or no down payment option, if eligible Are purchasing a modest home that meets USDA and lender requirements USDA does not mean the home must be on a farm.
Many USDA-eligible areas include smaller towns, rural communities, and some suburban areas.
→ Read more: USDA First-Time Home Buyer Loan Qualifications | Who Can Qualify
An FHA loan is a mortgage insured by the Federal Housing Administration.
The borrower does not get the loan directly from FHA. A private lender makes the loan, and FHA insurance helps protect the lender if the borrower defaults.
CFPB explains that FHA loans are made by private lenders and are insured by the Federal Housing Administration. CFPB also says FHA loans may allow down payments as low as 3.5% and may allow lower credit scores than many conventional loans.
FHA loans may be used by eligible buyers who:
Want to buy a primary residence Need a lower down payment option Have acceptable but not perfect credit Need broader property location flexibility than USDA Want to use gift funds or down payment assistance, if allowed Are buying a 1–4 unit property and will occupy it, if eligible FHA is popular with first-time buyers, but repeat buyers may also qualify.
→ Read more: FHA First-Time Home Buyer Loan Requirements
FHA Loan vs USDA Loan: Main Difference The main difference between an FHA loan vs USDA loan is that USDA has both property location and income eligibility requirements, while FHA has broader property location flexibility.
USDA is often more restrictive on:
Property location Household income Eligible rural area rules USDA property requirements Program availability FHA is often more flexible on:
Property location Income level Urban or suburban purchase areas Wider lender availability 1–4 unit owner-occupied purchases However, FHA usually requires a down payment, while USDA may allow eligible buyers to purchase with no down payment.
USDA Home Loan vs FHA: Down Payment Down payment is one of the biggest differences in a USDA home loan vs FHA comparison.
USDA Down Payment USDA Rural Development says its Single Family Housing Programs may help qualifying individuals and families purchase or build a home with no money down.
This can make USDA attractive for eligible buyers who have stable income but limited savings.
However, no down payment does not mean no closing costs.
A USDA buyer may still need money for:
Closing costs Prepaid property taxes Prepaid homeowners insurance Escrow deposits Inspection fee Appraisal-related costs Other settlement charges Seller credits, lender credits, gift funds, or eligible assistance may help with some costs, depending on program rules and lender approval.
FHA Down Payment FHA may allow a down payment as low as 3.5% for eligible borrowers. HUD’s public FHA loan page says the down payment can be as low as 3.5% of the purchase price.
FHA buyers should also plan for closing costs, prepaid items, escrow deposits, and FHA mortgage insurance.
Down Payment Comparison Loan Type
Common Down Payment Structure
USDA May allow no down payment if eligible FHA May allow 3.5% down if eligible
USDA may be stronger if the buyer qualifies and wants to reduce upfront down payment.
FHA may be stronger if the property is not USDA-eligible or the buyer does not meet USDA income requirements.
→ Read more: First Time Home Buyer Programs With No Money Down
USDA Mortgage vs FHA: Property Location Property location is a key difference in a USDA mortgage vs FHA comparison.
USDA Property Location USDA loans require the home to be in an eligible rural area.
USDA provides an eligibility site where buyers can check whether a property is located in an eligible rural area.
This is one of the first things buyers should check.
A buyer may have strong income, credit, and savings, but if the property is not in a USDA-eligible area, USDA financing may not be available.
FHA Property Location FHA does not have USDA-style rural area restrictions.
An FHA loan may be used in many urban, suburban, and rural markets, as long as the borrower, property, loan amount, and lender guidelines meet FHA requirements.
This makes FHA more flexible for buyers shopping in:
Larger cities Urban neighborhoods Non-USDA suburban areas Markets where USDA eligibility is limited Properties outside USDA maps Location Comparison Buyer Scenario
USDA May Fit
FHA May Fit
Home is in USDA-eligible area Yes Yes Home is in city or non-USDA area No Yes Buyer is still shopping locations Maybe Maybe Buyer wants broader location options Maybe Yes
If location is the first issue, check USDA property eligibility before comparing payments.
USDA vs FHA Income Limits USDA has income limits.
FHA does not have the same USDA-style household income limit.
USDA Income Limits USDA eligibility is based partly on income and varies by area. USDA Rural Development states that eligibility for loans, loan guarantees, and grants is based on income and varies according to the average median income for each area.
USDA income limits generally consider household income, not just the income used to qualify for the mortgage.
This can matter if multiple adults live in the home.
USDA income review may consider:
Household size County or area income limit Income from household members Eligible deductions or adjustments Repayment ability Program-specific rules FHA Income Review FHA does not use the same rural housing income limit structure.
Instead, FHA lenders review whether the borrower has enough qualifying income to afford the payment and debts.
FHA income review may include:
Employment income Self-employed income Retirement income Disability income Social Security income 1099 income Other eligible income sources Income Comparison Feature
USDA Loan
FHA Loan
Income limits Yes, based on area and household size No USDA-style household income cap Income review Household eligibility and qualifying income Qualifying income and ability to repay Best fit Buyers within USDA income limits Buyers above USDA limits or needing location flexibility
If your income is too high for USDA, FHA may still be available if you meet FHA and lender requirements.
USDA vs FHA Mortgage Insurance and Fees Both USDA and FHA have mortgage insurance or program fees.
USDA Guarantee Fee and Annual Fee USDA loans do not use conventional PMI, but USDA Guaranteed Loans have a guarantee fee structure.
USDA’s official Single Family Housing Guaranteed Loan Program flyer lists:
Upfront guarantee fee: 1.00% Annual fee: 0.35% Seller/interested party contributions: allowable up to 6% of sales price No limit on gift funds The same USDA flyer describes the program as offering 0% down with a 90% guarantee.
USDA also notes that upfront and annual fees are subject to change each fiscal year.
FHA Mortgage Insurance FHA loans require mortgage insurance.
CFPB states that mortgage insurance is required for all FHA loans.
FHA mortgage insurance may include:
Upfront mortgage insurance premium Annual mortgage insurance premium, usually paid monthly Fee Comparison Feature
USDA
FHA
Upfront fee USDA upfront guarantee fee FHA upfront MIP Monthly/annual fee USDA annual fee FHA annual MIP paid monthly Conventional PMI? No conventional PMI, but USDA fees apply No conventional PMI, but FHA MIP applies Can fees affect payment? Yes Yes
The better option depends on the full loan estimate, not only the down payment.
USDA vs FHA Credit Requirements Both USDA and FHA require credit review.
Neither program guarantees approval.
USDA Credit Review USDA lenders review whether the borrower has acceptable credit and repayment ability.
USDA loans may be flexible in some cases, but lender requirements still apply.
USDA credit review may include:
Credit score Credit history Recent late payments Collections Charge-offs Bankruptcy history Foreclosure history Housing payment history Debt obligations Overall repayment pattern FHA Credit Review FHA may be flexible for buyers with lower credit scores than many conventional loans, depending on the lender and full file.
CFPB explains that FHA loans may allow lower credit scores than most conventional loans.
FHA lenders may review:
Credit score Payment history Recent late payments Collections Charge-offs Bankruptcy or foreclosure history Credit disputes Debt-to-income ratio Housing payment history Credit Comparison Buyer Credit Situation
USDA May Fit
FHA May Fit
Strong credit Maybe Maybe Moderate credit Maybe Maybe Lower credit Depends on lender Often worth reviewing Limited credit history Depends on program/lender May be worth reviewing Recent major credit events May be difficult May be difficult
Credit score matters, but income, debts, assets, property, and underwriting also matter.
Debt-to-income ratio, or DTI, compares monthly debt payments with qualifying income.
Both USDA and FHA lenders review ability to repay.
A lender may review:
Proposed mortgage payment Credit card minimum payments Auto loans Student loans Personal loans Child support or alimony Other recurring monthly debts USDA may also review repayment ability within program rules and income eligibility.
FHA may allow some flexibility depending on credit, compensating factors, automated underwriting results, and lender guidelines.
A stronger file may include:
Stable income Manageable monthly debts Good recent credit history Documented assets Reasonable payment Eligible property Strong underwriting results The best way to compare USDA and FHA is to run both scenarios with the same purchase price, taxes, insurance, income, and debts.
USDA vs FHA Property Requirements Both USDA and FHA have property requirements.
USDA Property Requirements USDA homes must be:
Primary residences Located in eligible rural areas Adequate, modest, decent, safe, and sanitary Acceptable to the lender and USDA program rules USDA’s program description says the Section 502 Guaranteed Loan Program helps eligible households own adequate, modest, decent, safe, and sanitary dwellings as their primary residence in eligible rural areas.
FHA Property Requirements FHA properties must generally:
Be used as the borrower’s primary residence Meet FHA appraisal and property standards Be safe, sound, and sanitary Fit FHA loan limits Have acceptable title and insurance FHA may be available on 1–4 unit properties, according to HUD’s public FHA loan information.
Property Comparison Feature
USDA
FHA
Primary residence required Yes Generally yes Rural eligibility required Yes No 1–4 unit properties Generally more limited FHA may be available on 1–4 unit properties Investment property Generally no Generally no for standard FHA purchase Property condition review Yes Yes Appraisal required Yes Yes
If the home has condition issues, either program may require repairs before closing.
USDA vs FHA Loan Limits USDA and FHA handle loan limits differently.
USDA Loan Limits USDA does not work the same way as FHA county loan limits.
USDA approval depends on factors such as:
Income eligibility Repayment ability Property eligibility Loan amount Appraised value Lender guidelines USDA program rules A buyer still needs to qualify for the payment.
USDA does not mean unlimited purchase price.
FHA Loan Limits FHA has county-based loan limits.
For 2026, HUD announced FHA forward mortgage limits. HUD’s 2026 nationwide FHA loan limits include a one-unit low-cost area limit of $541,287 and a one-unit high-cost area ceiling of $1,249,125.
FHA loan limits also vary by property unit count.
Property Size
2026 Low-Cost Area FHA Limit
2026 High-Cost Area FHA Ceiling
One-unit $541,287 $1,249,125 Two-unit $693,050 $1,599,375 Three-unit $837,700 $1,933,200 Four-unit $1,041,125 $2,402,625
HUD’s FHA mortgage limits tool can be used to look up FHA or GSE limits by state, county, or metropolitan area.
USDA vs FHA Closing Costs Both USDA and FHA buyers may have closing costs.
Common closing costs may include:
Lender fees Discount points Appraisal fee Credit report Title fees Escrow or settlement fee Recording fees Transfer taxes, where applicable Prepaid property taxes Prepaid homeowners insurance Escrow deposits Mortgage insurance or guarantee-related costs USDA Closing Costs USDA may allow seller or interested party contributions. USDA’s official program flyer states seller/interested party contributions are allowable up to 6% of the sales price.
USDA may also allow gift funds, and the same USDA flyer states there is no limit on gift funds.
FHA Closing Costs FHA buyers may also use seller credits, gift funds, or assistance programs if allowed.
Closing cost treatment depends on FHA guidelines, lender rules, purchase contract, and actual eligible costs.
Closing Cost Comparison Feature
USDA
FHA
Seller credits May be allowed, subject to limits May be allowed, subject to FHA/lender rules Gift funds May be allowed May be allowed Down payment assistance May be available May be available Upfront program cost USDA guarantee fee FHA upfront MIP Monthly program cost USDA annual fee FHA annual MIP
Buyers should compare total cash to close, not only the down payment.
→ Read more: What Are Closing Costs on a Mortgage? A Simple Guide for Homebuyers
USDA vs FHA for First-Time Buyers Both USDA and FHA may work for first-time buyers.
USDA May Help First-Time Buyers If: The property is USDA-eligible Household income is within USDA limits The buyer wants a no down payment option, if eligible The buyer is purchasing a primary residence The property meets USDA standards The buyer qualifies with a USDA-approved lender FHA May Help First-Time Buyers If: The property is not USDA-eligible The buyer’s income is above USDA limits The buyer needs broader location flexibility The buyer has funds for the FHA down payment The buyer wants to use gift funds or down payment assistance The buyer is comparing FHA with Conventional, VA, or USDA First-time buyers should compare USDA and FHA with the same home price, taxes, insurance, and estimated closing costs.
→ Read more: First Time Home Buyer Home Loan Programs: Which Option Can Help You Buy Sooner?
USDA vs FHA for Repeat Buyers USDA and FHA are not only for first-time buyers.
Repeat buyers may also qualify if they meet program requirements.
A repeat buyer may compare USDA and FHA if:
They are buying a new primary residence They sold or will sell their current home They meet occupancy requirements They meet income and credit rules The property meets program standards The loan amount and payment are affordable USDA may be attractive for repeat buyers who still meet income and property eligibility.
FHA may be attractive for repeat buyers who need more location flexibility or cannot use USDA because of income or property rules.
USDA vs FHA for Rural and Suburban Homes USDA is often associated with rural homes, but some suburban areas may also qualify.
USDA provides an eligibility tool that allows buyers to check property eligibility by program.
A buyer should not assume a home is ineligible just because it is near a city.
Similarly, a buyer should not assume a home is eligible just because it looks rural.
The official USDA eligibility check matters.
FHA may still be a useful backup if the property is not USDA-eligible.
USDA vs FHA for 2–4 Unit Properties FHA may be more useful than USDA for certain 2–4 unit owner-occupied purchases.
HUD’s public FHA loan page says FHA can be available on 1–4 unit properties.
A buyer may review FHA for:
Duplex Triplex Four-unit property The borrower generally needs to occupy one unit as a primary residence.
USDA is generally focused on modest primary residences in eligible rural areas and may be more limited for multi-unit strategies.
A buyer interested in 2–4 unit property should compare FHA, conventional, and other options.
USDA vs FHA: Which Is Cheaper? There is no universal answer.
USDA may have a lower upfront cash requirement because it may allow no down payment for eligible buyers.
FHA may be easier to use in more locations but usually requires a down payment and FHA mortgage insurance.
A true cost comparison should include:
Interest rate APR Down payment Upfront fee or premium Monthly mortgage insurance or annual fee Closing costs Seller credits Lender credits Cash to close Property taxes Homeowners insurance HOA dues Loan term How long you plan to keep the home CFPB notes that mortgage insurance increases the cost of a loan and may be included in monthly payment, closing costs, or both.
The cheaper option depends on the buyer and property.
When USDA May Be Better Than FHA USDA may be better if:
The property is in a USDA-eligible area Household income is within USDA limits The buyer wants no down payment, if eligible The property meets USDA standards The buyer qualifies with a USDA-approved lender USDA fees and payment are better than FHA The buyer wants to preserve cash for moving, reserves, or repairs USDA can be especially helpful when the buyer has stable income but limited down payment savings.
However, USDA is not available for every buyer or property.
When FHA May Be Better Than USDA FHA may be better if:
The property is not USDA-eligible The buyer’s household income exceeds USDA limits The buyer wants to buy in an urban or non-USDA area The buyer needs broader property location flexibility The buyer is buying a 2–4 unit owner-occupied property, if eligible FHA underwriting fits the borrower better FHA payment and costs compare better than USDA USDA processing or eligibility does not work for the timeline FHA may also be easier to consider when the buyer has already found a home outside USDA-eligible boundaries.
USDA vs FHA Example Hypothetical example only: This example is for educational purposes only and is not a quote, approval, or commitment to lend. Actual USDA loan approval, FHA loan approval, rates, APR, fees, payment, down payment, mortgage insurance, guarantee fees, seller credits, cash to close, and closing terms depend on borrower qualifications, lender guidelines, program rules, property details, underwriting, appraisal, title, and insurance.
A first-time buyer wants to purchase a primary residence.
The buyer has:
Stable income Acceptable credit Limited down payment savings Manageable monthly debts Interest in a home outside a major city The loan advisor compares:
Question
USDA Review
FHA Review
Is the property eligible? Must be in USDA-eligible area No USDA-style rural map requirement Is income eligible? Must fit USDA income limits No USDA-style household income cap Is down payment required? May allow no down payment if eligible May allow 3.5% down if eligible Are mortgage fees required? USDA guarantee and annual fees may apply FHA upfront and annual MIP may apply Does property condition matter? Yes Yes Does lender approval matter? Yes Yes
If the home is USDA-eligible and the buyer’s income is within limits, USDA may provide a strong option.
If the home is not USDA-eligible, FHA may be the better path.
Loan Factory Experience Note: In real buyer reviews, USDA often works best when the buyer checks property eligibility and household income early. FHA often becomes the backup or better option when the buyer wants more location flexibility or does not meet USDA income/property requirements.
USDA vs FHA Checklist Use this checklist before choosing.
Question
Why It Matters
Is the home in a USDA-eligible area? USDA requires eligible property location Is my household income within USDA limits? USDA income limits apply Do I need no down payment? USDA may allow it if eligible Can I afford FHA’s 3.5% down payment? FHA usually requires down payment Which loan has lower total payment? Compare rate, fees, insurance, taxes, and insurance Which loan has lower cash to close? Down payment and closing costs differ Does the home meet property standards? USDA and FHA both require property review Is the home within FHA loan limits? FHA county loan limits apply Do I need seller credits? Program limits and contract terms matter How strong is my credit profile? Affects approval and pricing What is my long-term plan? Affects total cost comparison Did I compare USDA, FHA, Conventional, VA, and DPA? Another option may be better
Common Mistakes to Avoid Mistake 1: Assuming USDA Is Only for Farms USDA eligibility is based on eligible rural areas, and some suburban locations may qualify. Buyers should check USDA’s eligibility tool before assuming.
Mistake 2: Assuming USDA Has No Costs USDA may allow no down payment, but closing costs, guarantee fees, annual fees, prepaid items, and escrow deposits may still apply.
Mistake 3: Ignoring USDA Income Limits USDA income limits matter and vary by area and household size. USDA says eligibility is based on income and varies according to area median income.
Mistake 4: Assuming FHA Is Always Easier FHA may be flexible, but the borrower and property still need to meet FHA and lender requirements.
Mistake 5: Comparing Only Down Payment USDA may require no down payment, but FHA may still be competitive depending on interest rate, mortgage insurance, closing costs, and property eligibility.
Mistake 6: Forgetting Mortgage Insurance and Fees CFPB says mortgage insurance is typically required on FHA and USDA loans, and mortgage insurance increases loan cost.
Mistake 7: Waiting Too Long to Check Eligibility USDA property and income eligibility should be checked before making an offer.
Mistake 8: Not Comparing With Conventional or VA Some buyers may qualify for Conventional, VA, down payment assistance, or other programs that may fit better.
How to Choose Between USDA and FHA Choose USDA first if:
The property is USDA-eligible Household income is within USDA limits You want a no down payment option USDA payment and fees compare well Timeline and lender availability fit the transaction Choose FHA first if:
The property is not USDA-eligible Income is too high for USDA You want more location flexibility You are buying a 2–4 unit primary residence, if eligible FHA underwriting fits better FHA payment and costs are better overall The best answer comes from a side-by-side loan comparison.
Do not choose only based on “no down payment” or “3.5% down.”
Compare total cost and approval fit.
Loan Factory helps homebuyers compare USDA, FHA, and other mortgage options from 240+ wholesale lenders using technology designed to make the loan process clearer, faster, and more transparent. Loan Factory’s lender network page states that the company partners with 240+ wholesale mortgage lenders nationwide.
If you are comparing USDA vs FHA, Loan Factory can help you review property eligibility, income limits, down payment, mortgage insurance, guarantee fees, FHA loan limits, seller credits, lender credits, payment estimates, and cash-to-close options.
Access to 240+ wholesale lenders USDA, FHA, Conventional, VA, Jumbo, and other loan option review, depending on eligibility Side-by-side mortgage comparisons for rate, APR, payment, fees, mortgage insurance, credits, and cash to close Local loan advisor support to explain USDA home loan vs FHA differences TERA technology platform to support pricing, loan comparison, document flow, and loan review No application fee to start reviewing your options Support for first-time buyers, repeat buyers, and borrowers comparing multiple loan programs Loan Factory does not guarantee USDA approval, FHA approval, property eligibility, income eligibility, seller credit acceptance, or that one program will always be better.
But Loan Factory can help you compare available mortgage paths before you apply, make an offer, or choose a loan program.
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Author Box Written by: Loan Factory Mortgage Education Team
Loan Factory is a technology-powered mortgage platform helping homebuyers compare mortgage options from 240+ wholesale lenders. Our mortgage education content is designed to help borrowers understand USDA loans, FHA loans, down payment options, mortgage insurance, loan requirements, property eligibility, income limits, closing costs, affordability, and the home loan process before applying.
Compliance Disclaimer This content is for informational and educational purposes only and is not a commitment to lend or a guarantee of eligibility. USDA loan approval, FHA loan approval, property eligibility, income eligibility, rates, APR, fees, payment estimates, down payment, mortgage insurance, guarantee fees, seller credits, lender credits, closing costs, cash to close, loan limits, appraisal results, and closing timelines depend on borrower qualifications, income, debts, credit profile, assets, property location, property details, lender guidelines, USDA rules, FHA rules, underwriting, appraisal, title, insurance, and applicable program requirements. Not all applicants, households, or properties will qualify. Terms may change without notice.
Loan Factory is not affiliated with or acting on behalf of USDA, HUD, FHA, VA, Fannie Mae, Freddie Mac, FHFA, CFPB, or any government agency. USDA, FHA, VA, Conventional, Jumbo, conforming, non-conforming, down payment assistance, and other loan programs are offered through participating lender partners and approved program providers, subject to eligibility and underwriting approval.
Equal Housing Opportunity.
FAQ: USDA vs FHA 
