In the year 2026, the USDA loan limit for Roanoke in Randolph County, AL, is $336,500. Similarly, for a single-family home, the FHA loan cap is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates available today. Determine what income, credit, reserves, and documents are necessary to qualify. Our advanced mortgage calculator provides side-by-side views of USDA, FHA, Conforming, and VA options to help you identify the most suitable program for your particular financial need 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% |
The goal of Lendersa® is to quickly connect you with the most appropriate USDA or FHA loan, hassle-free. Select one of three pathways to match with lenders offering USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural areas. This loan, also known as the USDA rural development loan or USDA mortgage, does not require a down payment, unlike FHA loans, which demand a minimum of 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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