In 2026, the USDA loan limit for Southside, located in Etowah County, AL, is $336,500, whereas the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best current rates between USDA and FHA loans. Assess the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, guiding your choice of the best program 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 swiftly and easily connect you with the best USDA or FHA loan. Choose from one of three pathways to match with relevant lenders and explore USDA loan programs.
A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is restricted to rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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