USDA Vs. FHA Pro and Con comparison in Shannon-Hills, Saline County, AR

For 2026, the USDA loan limit in Shannon-Hills, located in Saline county, AR, is set at $285,000, whereas the FHA cap for a single-family home is $356,362.

Lendersa® offers a USDA loan calculator that helps you compare the best available USDA and FHA rates today. Determine the necessary income, credit, reserves, and documents to qualify with this tool. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you select the appropriate option for your financial situation in Alabama.

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Loan Limits and Down Payment Requirements for 2026 in Shannon-Hills, Saline, AR

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Discover USDA and FHA Loan Options in Shannon-Hills, AR

The aim of Lendersa® is to help you acquire a USDA or FHA loan swiftly, without hassle. Start with any of three starting points, connecting you with lenders and the right USDA loan programs.

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Understanding USDA Loans in AR

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is accessible exclusively in rural regions. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans have no down payment requirement, making it an advantageous option for eligible borrowers.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • sunny South Florida, we are committed to making the mortgage process as simple as possible help make your dreams of becoming a homeowner a reality and also We can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed.
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