In 2026, the USDA loan limit within Tuscumbia, located in Colbert County, AL, is $336,500. In contrast, the FHA cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best current rates for USDA versus FHA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which 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% |
Lendersa® aims to promptly connect you with the most suitable USDA or FHA loan without hassle. Choose one of three starting options to be matched with lenders and USDA loan programs.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and available only in rural neighborhoods. Unlike FHA loans, which need a minimum down payment of 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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