USDA VS FHA in Piedmont, Calhoun County, AL

As of 2026, the USDA loan threshold in Piedmont, situated in the county of Calhoun, AL, is $336,500. For a typical single-family home, the FHA loan cap is $472,030.

Employ the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates today. Our calculator helps you evaluate the required income, credit, reserves, and documents for qualification. You can assess USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program for your financial situation in .

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2026 Loan Limits and Downpayment Details in Piedmont, County of Calhoun, AL

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

Exploring USDA and FHA Loan Options in Piedmont, AL

Lendersa® is dedicated to securing the optimal USDA or FHA loan for you quickly and effortlessly. Choose any of three starting options to engage with lenders and discover the USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AL

A USDA home loan is backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, available solely in rural neighborhoods. It requires no down payment, which contrasts with FHA loans that need at least 3.5% down payment.

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



  • Ponce Bank
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  • Our Bank has earned a reputation for serving the needs of our communities by emphasizing the importance of personal banking and by promoting local economic development. We employ a highly qualified and professional staff and offer a wide variety of products and services designed to meet the needs our customers
  • Rock East Funding
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  • Iowa Trust & Savings Bank
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  • Iowa Trust & Savings Bank appreciates and values the trust our customers have in banking with us. We strive to provide the highest level of personal service and offer financial solutions that continually enhance the customer experience with Iowa Trust. From our skilled and experienced staff, to our complete line of deposit
  • Qside Federal Credit Union
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  • Qside Federal Credit Union is a not-for-profit, cooperative financial institution owned and controlled by its members – the people who use its products and services. Membership begins when you open a basic savings account. Both membership and the basic savings account are completely free as long as you maintain a minimum balance of $25.
  • Vivid Mortgages Inc.
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  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
  • The Haviland State Bank
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  • Haviland State Bank opened in 1903 by George Lemon of Pratt. The First directors of the bank were founder George Lemon, President; Otto H. Bock, Secretary and Cashier; H.A. Barbee, a cattleman near Pratt; R.D. Woodward, and L.J. Woodward of Haviland. When HSB first opened in 1903 the money was not kept in the bank.
  • The Everest Equity Company, Inc.
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  • The Everest Equity Company, Inc. is a corporation, founded in 2004, with an experienced,highly skille, & professional staff of Mortgage Brokers, along with an extensive support team, who specialize in meeting our clients’ unique mortgage needs.Our goal at the Everest Equity Company is to provide you with the smoothest and most comfortable mortgage.
  • Apple Home Mortgage
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  • Triton Group at Legacy Mutual Mortgage
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