As of 2026, the USDA loan limit for Livingston in Sumter county, AL, is $336,500. In comparison, the FHA limit for a single-family home stands at $472,030. These figures are critical when considering financing options for homebuyers in these regions.
With the Lendersa® USDA loan calculator, you can evaluate today's best USDA versus FHA rates and assess the required income level, credit score, reserves, and documentation necessary to qualify. Utilizing our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loan options side by side, aiding you in selecting the ideal program suited to your specific financial situation, whether you're looking in Alabama or elsewhere.
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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 purpose of Lendersa® is to facilitate obtaining the best USDA or FHA loan for you quickly and smoothly. Begin your journey by selecting one of three starter paths leading to the appropriate lenders and USDA loan programs.
The USDA home loan, supported by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, serves rural communities exclusively. Unlike FHA loans which necessitate at least a 3.5% down payment, USDA loans require none, offering a valuable path to homeownership for those who qualify in rural areas.
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