For the year 2026, in Fairfield within Jefferson, AL, the USDA loan limit is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the best current rates between USDA and FHA. Determine the required income, credit, reserves, and documentation necessary for eligibility. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you to identify which program in
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| Type of Loan | Maximum Loan Amount | Minimum Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The primary aim at Lendersa® is to provide you with the most suitable USDA or FHA loan quickly and with minimal effort. Choose from one of three initial steps to align with matching lenders and USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture — also known as a USDA rural development loan or USDA mortgage — is offered exclusively in rural areas. Unlike FHA loans that demand 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?
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