As of 2026, in Searcy, located in White county, AR, the USDA loan limit is $336,500. The FHA limit is set at $472,030 for a single-family home.
Utilize Lendersa® USDA loan calculator to contrast the most current USDA and FHA rates, and ascertain the necessary income, credit, reserves, and documentation needed for eligibility. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, aiding your decision on which program best suits your financial needs in Alabama.
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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 mission of Lendersa® is to quickly and efficiently secure the best USDA or FHA loans without hassle. Select one of three pathways that match you with lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is intended for rural neighborhoods only. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans demand no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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