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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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