USDA Vs. FHA Pro and Con comparison in Orange-Beach, Baldwin County, AL
In 2025, the USDA loan limit for the city of Orange-Beach, within Baldwin County, AL, is $285,000. The FHA loan limit for a single-family home, on the other hand, is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the current best rates for USDA versus FHA loans. Determine the necessary income, credit, reserves, and paperwork needed for eligibility. Our advanced mortgage tool allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you pick the best option for your financial situation in .
Loan Limits and Down Payment Requirements in Orange-Beach, Baldwin, AL for 2025
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Orange-Beach, AL
The primary goal of Lendersa® is to ensure you secure the most suitable USDA or FHA loan promptly and hassle-free. Choose one of three pathways to connect with lenders that align with USDA loan offerings.
A USDA home loan, backed by the Department of Agriculture, also known as USDA rural development loan, or USDA mortgage, is restricted to rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment.
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