In 2026, for Smiths-Station in Lee county, AL, the USDA loan limit is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, understanding the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in finding the best program for your specific financial scenario in
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| Loan Category | Maximum Loan | Initial Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to secure the best USDA or FHA loan options quickly and easily. Choose from one of three starting points to find lenders and USDA loan programs that fit your needs.
A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or mortgage, is available only in rural zones. Unlike FHA options that need a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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