USDA Vs. FHA Pro and Con comparison in Foley, Baldwin County, AL
In 2026, the USDA loan limit for Foley, in Baldwin County, AL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Try the Lendersa® USDA loan calculator to stack up today's best USDA versus FHA rates, and determine the income, credit, reserves, and documents you need to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side-by-side. This helps you figure out which program in is best suited for your financial situation.
2026 Loan Limits and Downpayment Requirements in Foley, County of Baldwin, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Foley, AL
The aim of Lendersa® is to quickly provide you with the best USDA or FHA loan options without hassle. Choose from three starting pathways to match with lenders and access USDA loan programs.
A USDA home loan, backed by the government’s Department of Agriculture, also known as the USDA rural development loan or mortgage, is exclusive to rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans do not require a down payment at all.
316 South Mckenzie Street, Suite 177, Foley, AL, 36535
Lends in Alabama
Our team of highly motivated and skilled LOAs & Processors will work to save you time and energy on your files so you can focus on generating more business. Working your files from beginning to end, our follow up system continues for a year after close of escrow to keep YOU top of mind with your clients. All follow up is sent on your behalf,
The Barr Group Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
19940 State Highway 181, Suite B, Fairhope, AL, 36532
Lends in Alabama
At Homefront Lending LLC, where we are honored to serve you! We are experienced mortgage professionals dedicated to our community. Located in Fairhope, AL, it is absolutely our honor to bring excellent service to south Alabama. We are a veteran-owned business who's passion is serving our nation's heroes who serve us each and every day.
At Bay Mortgage Corporation, we take tremendous pride in providing our clients with an exceptional mortgage financing experience. Since 1988, we have been a locally owned and operated mortgage broker primarily serving Baldwin and Mobile counties but licensed to serve the entire state of Alabama.
Citizens' Bank has branches throughout Baldwin County, & its board members and employees live in Baldwin County. So, when we make decisions, we do so with our neighbors and community in mind. Since 1981 we have been building relationships that last, and it is with strength, prosperity & independence that we strive to be the premier community bank.
30500 State Highway 181, Suite 460, Daphne, AL, 36527
Lends in Alabama
At AMIC, we strive to treat all our customers like friends and neighbors, because that's exactly what you are. Based in the Southeast, we live, work, and play right alongside many of our customers. We'll always guarantee you the best loan, work with local lenders whenever possible,
22nd State Bank has been evolving for over 100 years but our mission has remained the same – meeting the financial needs of our customers, providing exceptional personalized customer service and serving our local communities. Our continued success is a product of the way we’ve remained the same. We care about relationships.
