USDA and FHA Pro and Con in Monroeville, Monroe County, AL

In 2026, the loan limit for USDA in Monroeville, located in Monroe county, AL, is $336,500, while for a single-family home, the FHA limit is $472,030.

Utilize Lendersa®'s USDA loan calculator to evaluate today's top USDA against FHA rates and determine the income, credit, reserves, and documentation required to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you choose the program in that best suits your financial needs.

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Loan Limits and Down Payment Requirements for 2026 in Monroeville, Monroe County, AL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Monroeville, AL

The mission of Lendersa® is to promptly secure for you the best USDA or FHA loan with no hassle. Begin by selecting one of three starting points to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AL

A USDA home loan is guaranteed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it is solely available in rural areas. In contrast to FHA loans that necessitate at least a 3.5% down payment, USDA mortgage loans require no down payment whatsoever.

Enter your location to find out if it qualifies for USDA rural housing loan?



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