During 2026, the USDA loan limit in Mobile, within Mobile county, AL, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
The Lendersa® USDA loan calculator can be used to compare the leading USDA and FHA rates. It also helps determine the income, credit, reserves, and documents necessary to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, allowing you to choose the best program for your financial scenario 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 focused on helping you secure the best USDA or FHA loans swiftly and effortlessly. Begin with one of three options to connect with lenders and USDA loan programs.
A USDA home loan, endorsed by the federal government's Department of Agriculture, is also called a USDA rural development loan or mortgage. It is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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