2026 marks the USDA loan maximum of $341,900 in Franklin, Merced, CA, compared to an FHA limit of $472,030 for single-family homes.
Utilize the Lendersa® USDA loan calculator to weigh today's top USDA and FHA rates, determining required incomes, credit, reserves, and documentation for qualification. This advanced mortgage tool lets you examine USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the best option in Alabama for your unique financial needs.
Review loan offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $341,900 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to provide the best possible USDA or FHA loan promptly and with ease. You can select from three starting paths that pair you with suitable lenders and access USDA loan programs.
Backed by the government via the Department of Agriculture, the USDA home loan—also called a USDA rural development loan or USDA mortgage—is exclusive to rural neighborhoods. FHA loans require a minimum 3.5% down payment, while USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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