In 2026, the USDA loan limit for Millbrook, within the boundaries of Elmore county, AL, is pegged at $336,500. In comparison, the FHA loan limit for a single-family residence is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and to determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most suitable program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Millbrook, Elmore County, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Millbrook, AL
The aim of Lendersa® is to find you the best possible USDA or FHA loan quickly and with ease. Pick one of three starting routes that connect you with matching lenders and USDA loan programs.
The USDA home loan, backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans have no down payment requirement.
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