In 2026, the USDA loan limit in Clay, situated in Jefferson County, AL, is $336,500. Conversely, the FHA limit for a single-family home is $472,030.
Make use of the Lendersa® USDA loan calculator to analyze the most favorable USDA compared to FHA rates available today. Determine the qualifying income, credit, reserves, and documentation needed. Our sophisticated mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, providing you with the necessary tools to choose the most suitable program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Clay, Jefferson County, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Alternatives in Clay, AL
At Lendersa®, our objective is to offer you the best possible USDA or FHA loan swiftly and effortlessly. Choose one of three starting approaches to connect with matching lenders and USDA loan features.
A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is a government-backed loan from the Department of Agriculture, designed for rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans are offered with no down payment.
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