USDA and FHA Pro and Con in Andalusia, Covington County, AL
In 2026, the USDA loan limit in Andalusia, located within Covington County, AL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess and compare today's top USDA and FHA loan rates. Determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in is most suitable for your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Andalusia, Covington, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Andalusia, AL
Lendersa® aims to secure the optimal USDA or FHA loan for you swiftly and without complications. Choose from one of three starting points designed to match you with suitable lenders and USDA loan options.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is insured by the U.S. Department of Agriculture and available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage requires none.
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