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 .
2026 Loan Limits and Down Payment Requirements in Smiths-Station, Lee County, AL
Loan Category
Maximum Loan
Initial Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Possibilities in Smiths-Station, AL
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.
Swift Home Mortgage, LLC & its subsidiaries & affiliates (collectively, Swift Home Mortgage, we, us or our) respect your privacy and are committed to complying with this privacy policy (the PrivacyPolicy). This Privacy Policy describes our information collection. Swift Home Mortgage delivering excellence in lending & unmatched customer service.
At Goff & Associates Realtors and Landmark Mortgage Lending, Inc. we will always strive to be the Premier Real Estate and Mortgage Company of Choice for Our Customers and Our Agents. Our Staff and Agents are ethical, forward thinking and results oriented Professionals who take a proactive approach to Real Estate and Mortgages.
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201 South Stratford Road, Winston Salem, NC, 27103
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This credit union is federally insured by the NCUA.
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1691 Westbrook Plaza Blvd., Winston Salem, NC, 27103
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