Thinking of buying a home with a USDA Loan? Maybe thinking about using FHA? There are some differences between the two when it comes to home inspections. But when it comes down to it, there are some other factors you may need to consider as well.

Housing Eligibility – As well as meeting a specifications list of being ‘modest’ in various factors, new houses must also meet a number of building specifications according to the codes in place. In addition to this, they must be safe according to the relevant laws and existing manufactured housing may not be considered unless it has been financed with a guaranteed loan or HCFP direct.

Comparison with Federal Housing Authority (FHA) Loans – You might see the similarities between the two but there are some very key differences;

Different to the FHA, there are no monthly mortgage insurance premiums for USDA loans.
This being said, there are similar appraisal requirements. For example, repayment terms are 15 and 30 years.
For the FHA, 3.5% of the house should be a downpayment but an employer, relative, or NPO can contribute this amount. With the USDA loan, there are no downpayments for properties.
On the downside, there is a limit to USDA loans at $300,000; FDA loans go beyond $700,000.

Ultimately, there are benefits and drawbacks to both so all applicants should assess their situation and see which option is best for them. With USDA loans, they can be beneficial for low-income families who would like to move to a rural area.

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Hello, Soggy Guiding Light Clients! YES, we are scheduling, and YES, we have an FAA licensed drone pilot & licensed level II residential thermographer ready to help.


Mike Hammel & Don Bennett


Detailed inspection with a TREC report.

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We continue to care and pray for everyone involved in Harvey,

- The Guiding Light Home Inspection of Texas Family

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