USDA Vs. FHA Pro and Con comparison in Selma, Dallas County, AL

In 2026, the USDA loan cap for Selma in Dallas county, AL is $336,500, while the FHA loan limit for single-family homes is $472,030.

Employ the Lendersa® USDA loan calculator to assess and compare today's leading USDA versus FHA rates. Determine the income, credit, reserves, and documents necessary to qualify. Through our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial scenario in .

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2026 Loan Limits and Down Payment Requirements in Selma, Dallas County, AL

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

USDA and FHA Loan Opportunities in Selma, AL

Lendersa® aims to secure the best USDA or FHA loan for you quickly and with minimal hassle. Choose from three starting points that connect you with suitable lenders and USDA loan programs.

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Understanding USDA Loans in AL

The USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is tailored for rural communities. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.

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



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