In 2026, the USDA loan limit for Heber-Springs, located in the county of Cleburne, AR, is $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's top rates between USDA and FHA. This tool helps determine income, credit requirements, reserves, and necessary documentation for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most appropriate program in Alabama for your financial circumstances.
Compare loan offers from a pool of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is dedicated to swiftly connecting you with the best USDA or FHA loans without hassle. Choose one of three starting options that lead to matching lenders and suitable USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA mortgages need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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