USDA Loan Vs. FHA loan for Foley, AL [Baldwin County ]

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.

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.

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Understanding USDA Loans in AL

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.

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(337) 233-6744 Lender's profile and map Reviews Acadian Federal Credit Union 102 Sunbeam Lane, Lafayette, LA, 70506 Acadian Federal Credit Union has been serving our members since 1950, with the help of our member volunteers. We continue to expand our products and services to keep up with technology. We pride ourselves on offering great rates and services to our geographically diverse membership.
(337) 289-2740 Lender's profile and map Reviews Acadiana Medical Federal Credit Union 702 St Landry Street, Lafayette, LA, 70506 Acadiana Medical Federal Credit Union membership is a great way to obtain many low-cost financial services. Establishing AMFCU membership means you will be opening a Savings Account (Regular Share Account) with a minimum deposit of $15 to open a regular share account. Once the account has been opened.
(337) 233-6264 Lender's profile and map Reviews Maple Federal Credit Union 105 Toledo Drive, Lafayette, LA, 70506 Maple Federal Credit Union is here to celebrate with you when things are going well—but we’re also there for you when life happens. No matter where you are right now, we’re ready to meet you with fair, affordable loan rates and savings programs that can help you achieve your dreams and prepare for life’s unexpected turns.
(337) 232-8450 Lender's profile and map Reviews 705 Federal Credit Union 1455 West Willow Street, Lafayette, LA, 70506 705 Federal Credit Union is opend since 1968. 705 Federal Credit Union is a not-for-profit financial institution. The credit union gives profit made back to those who belong through lower interest rates on loans, fewer fees, and higher dividends on savings accounts. Our members are made up of employees of various businesses within the Acadiana.
(337) 482-6956 Lender's profile and map Reviews University of Louisiana Federal Credit Union 805 Bertrand Drive, Lafayette, LA, 70506 Chartered in September 1958 University of Louisiana Federal Credit Union was formed by ten employees of Southwestern Louisiana Institute. These employees wanted to create a source of credit for members by pooling their savings to make loans at a low interest rate as well as offer other financial services for the economic well-being of members.
(337) 989-2800 Lender's profile and map Reviews Meritus Credit Union 515 Guilbeau Road, Lafayette, LA, 70506 Since 1954, MERITUS ® Credit Union (formerly Lafayette Schools Credit Union) has been dedicated to providing the best value in banking. You can count on us for personal service and solutions that fit every stage of your life and financial goals. Our mission is Securing your future by delivering affordable financial solutions,
(337) 989-7377 Lender's profile and map Reviews Central Mortgage Services, Inc 209 North Luke Street, Lafayette, LA, 70506 Central mortgage service inc founded in 1999 we've weathered many storms and changes in this industry. Constantly adapting, overcoming and adjusting to the ever changing lending programs and guidelines. Now more than ever, you need to deal with a tried and proven industry professional.
(229) 244-0164 Lender's profile and map Reviews First Federal Savings and Loan Association of Valdosta 411 N Patterson St, Valdosta, GA, 31601 First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.
(229) 247-9930 Lender's profile and map Reviews Valdosta Teachers' Federal Credit Union 102 E. Force Street, Valdosta, GA, 31601 The Valdosta Teachers' Federal Credit Union was organized in 1958. The first Board of Directors were: Fredeva Ogletree, President; A.W. Basemore, Vice-President; Nan Allen, Treasurer; Walter Harrison, Secretary. Other Directors included: Ms. Willie Dewberry, Hadley McDuffie and Clara Stipe.
(229) 244-4513 Lender's profile and map Reviews Locoga Federal Credit Union 1592 Norman Dr, Valdosta, GA, 31601 Locoga Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder - or an owner - of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
(229) 253-1111 Lender's profile and map Reviews Georgia Power Valdosta Federal Credit Union 1707 Dow St, Valdosta, GA, 31601 Georgia Power Valdosta Federal Credit Union was granted a federal charter in March 1958 to serve the financial needs of the Georgia Power Company employees and their families across the southern tier of the state. It remained a single sponsored occupationally bonded credit union until 1995.