USDA Vs. FHA your options comparison in Semmes, Mobile County, AL
For the year 2026, the USDA loan limit in Semmes, within Mobile county of AL, is established at $336,500. In contrast, the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to effectively compare the best current rates for USDA and FHA, also determining the necessary income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA side by side, guiding you to select the optimal program in tailored to your financial needs.
2026 Loan Limits and Down Payment Requirements in Semmes, Mobile County, AL
Type of Loan
Limit for Loan
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Semmes, AL
The objective of Lendersa® is to promptly deliver the most favorable USDA or FHA loans without inconvenience. Choose from three initial avenues to match with lenders and access USDA loan plans.
A USDA home loan is a government-backed mortgage supplied by the Department of Agriculture, frequently called a USDA rural development loan or USDA mortgage, and is applicable solely in rural areas. FHA loans necessitate a 3.5% minimum down payment, whereas the USDA mortgage requires none.
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