As of 2026, the USDA loan limit for Valley, located in Chambers county, AL, is specified at $336,500. Meanwhile, the FHA loan for a single-family home stands at $472,030.
Discover today's optimal rates by utilizing the Lendersa® USDA loan calculator, which lets you compare USDA against FHA rates, examining the income, credit, reserves, and necessary documentation for eligibility. Our sophisticated mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans to guide your financial decision-making 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 ambition of Lendersa® is to quickly and effortlessly connect you with the best USDA or FHA loan experience. Begin with one of our three pathways to link with matching lenders and USDA loan schemes.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is intended for rural areas. In contrast to FHA loans that require a 3.5% minimum down payment, USDA mortgages require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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