As of 2026, the USDA loan limit in Rainsville, DeKalb county, AL, stands at $336,500. Meanwhile, the limit for FHA is $472,030 for a single-family home.
Utilize the Lendersa® USDA loan calculator to compare today’s USDA and FHA rates for the best options, determining the necessary income, credit score, reserves, and documentation for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, enabling you to identify the most suitable program for your unique financial situation in
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| Loan Type | Maximum Loan | Initial Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is focused on providing you the best USDA or FHA loan efficiently and without hassle. Choose one of three starting options to align with suitable lenders and explore USDA loan programs.
The USDA home loan, backed by the government’s Department of Agriculture, known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans do not demand any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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