In 2026, the USDA loan limit for Gulf-Shores, located in Baldwin county, AL, is $285,000, while the FHA limit for a single-family home is $356,362.
Using Lendersa®'s USDA loan calculator, you can compare the leading USDA and FHA rates available today, assessing the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping to determine the best fit for your financial needs in
Evaluate loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conforming Conventional | $548,250 | 3% |
Lendersa® seeks to promptly connect you with the best possible USDA or FHA loan without hassle. Pick one of the three starting options to match with suitable lenders and USDA loan programs.
A USDA home loan is guaranteed by the Department of Agriculture, sometimes called a USDA rural development loan or mortgage. These loans are available solely in rural locations and, unlike FHA loans that need at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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