In 2026, the USDA loan limit in Midfield, Jefferson county, AL is $336,500, while the FHA limit for a single-family home is at $472,030.
Use the Lendersa® USDA loan calculator to compare today's USDA and FHA rates, determining the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA side by side, helping you decide 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% |
Lendersa® aims to provide you with the best USDA or FHA loan quickly and with minimal hassle. Choose one of three starting points to find matching lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, is known as the USDA rural development loan or mortgage, available solely in rural areas. In contrast to FHA loans requiring a 3.5% down payment minimum, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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