In 2026, the USDA loan limit in Helena-West-Helena, within Phillips county, AR, is $285,000, whereas for a single-family home, the FHA limit is $356,362.
Leverage the Lendersa® USDA loan calculator to evaluate today's most competitive USDA versus FHA rates and ascertain the income, credit, reserves, and necessary documentation required for qualification. Our advanced mortgage tool allows you to compare USDA, FHA, Conforming, and VA loans side by side, guiding you to select the program in Alabama that best suits your financial scenario.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to connect you promptly with the optimal USDA or FHA loans, minimizing any hassle. Choose one of the three initiation options to match with lenders and find suitable USDA loan programs.
A USDA home loan is assured by the Department of Agriculture and is commonly referred to as a USDA rural development loan or USDA mortgage. It is specifically designed for rural areas and does not require a down payment, which differentiates it from FHA loans that necessitate at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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