USDA Vs. FHA your options comparison in Anniston, Calhoun County, AL

In 2025, the USDA loan limit for Anniston within Calhoun county, AL, is set at $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 best USDA and FHA rates. It also assists in identifying the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, allowing you to choose the best program in for your specific financial situation.

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Anniston, County of Calhoun, AL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Anniston, AL

The objective of Lendersa® is to swiftly connect you with the optimal USDA or FHA loan, without hassle. Choose one of three starting strategies to match lenders with USDA loan programs.

Lendersa USDA loan application and matching results

Understanding the USDA Loan in AL

The USDA home loan, backed by the Department of Agriculture, is known as a USDA rural development loan or mortgage. It is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Mortgage Solutions of Georgia
  • 4880 Park Street, Acworth, GA, 30101
  • Mortgage Solutions of Georgia is a comprehensive mortgage brokerage licensed in the state of Georgia. Our team has been designed to offer you the best financing terms and options available and to guide you through this complex mortgage market.That is why we will rely heavily on you to refer your friends, family.
  • Premier Mortgage Exchange, Inc
  • 3950 Cobb Parkway, Suite 304, Acworth, GA, 30101
  • "The Premier Mortgage Exchange Team is committed to providing clients with the highest quality home loans in Georgia. If you are a first time home buyer, purchasing your dream home, or refinancing an outstanding loan we are here to serve you Premier Mortgage Exchange also offers Reverse Mortgages."
  • Four Seasons Federal Credit Union
  • 2915 Pepperell Parkway, Opelika, AL, 36801
  • Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.
  • Green Street Mortgage Lenders Inc
  • 600 Avenue A, Suite B, Opelika, AL, 36801
  • Green Street Mortgage Lenders, where we specialize in residential mortgages. At Green Street Mortgage Lenders, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • BNB & Associates, LLC
  • 108 Columbus Parkway, Opelika, AL, 36801
  • BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.
  • First Community Bank of Central
  • 715 Wilson St Wetumpka, Wetumpka, AL, 36092
  • First Community Bank of Central Alabama is a commercial Bank that has been open since August, 2001. We currently have offices in Wetumpka, Millbrook, Eclectic, Prattville, Tallassee, and Holtville. We also operate a Wealth Management Division and a full-service mortgage company, First Community Mortgage. It is our belief that a community is best
  • Direct Lenders, LLC. .
  • 1600 Kennesaw Due West Rd NW, Suite 610, Kennesaw, GA, 30152
  • Direct Lenders, LLC is a locally owned, but nationally known mortgage lending company located in Kennesaw, Georgia. The company was started in 2011 when CEO, Randy Bristol and President, Kevin Bonds turned their lives work into their dream of owning a successful and honest company.
  • WD Little Mortgage Corp
  • 707 Whitlock Avenue, Suite A-37, Marietta, GA, 30064
  • W. D. Little Mortgage Corp. is an award winning mortgage company serving Georgia and the Southeast since 1983. As one of the oldest and most well-respected mortgage brokers in Georgia, we provide honest and efficient service from start to finish. Our staff has unprecidented knowledge, experience, and expertise in real estate financing.