In 2025, within Sheffield, Colbert County, AL, the USDA loan limit is valued at $336,500. Conversely, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best rates available today between USDA and FHA loans. Determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program for your financial context 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 objective of Lendersa® is to connect you promptly with the most favorable USDA or FHA loan, simplifying the process. Choose one of three initial pathways that lead you to suitable lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is accessible exclusively in rural areas. In contrast to FHA loans that require a minimum down payment of 3.5%, USDA loans do not require a down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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