In 2026, the USDA loan threshold in Jacksonville, located in Calhoun county, AL is set at $336,500. For a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare current USDA and FHA rates, determining the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you choose the best 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% |
Lendersa® is committed to securing the best USDA or FHA loan for you without delay. Start by selecting one of three options to align with lenders and explore USDA loan programs.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government's Department of Agriculture. It's specifically for rural areas. Significantly, unlike FHA loans that necessitate a minimum of a 3.5% down payment, USDA mortgage loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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