For 2026, the USDA loan limit in Kinsey, part of Houston county in AL, is set at $336,500 while the FHA limit for a single-family home stands at $472,030.
The Lendersa® USDA loan calculator helps you compare the current best rates for USDA and FHA loans and determine necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side to decide which program fits your financial situation best, particularly if you are in Alabama.
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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® aims to fast-track your access to the best USDA or FHA loan without difficulties. Start by choosing one of three pathways that lead to matching lenders and USDA loan opportunities.
A USDA home loan, supported by the U.S. Department of Agriculture and commonly known as a USDA rural development loan, is available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans demand no down payment, offering a viable option for eligible rural homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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