In 2026, the USDA loan limit for Callaway, located in the county of Bay, FL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today. Determine the income, credit, reserves, and necessary documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, making it easier to choose the right program in Alabama for your financial situation.
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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 aim of Lendersa® is to promptly secure the best USDA or FHA loans for you, without difficulty. Choose one of three starting options that connect you to suitable lenders and USDA loan programs.
The USDA home loan is a government-guaranteed loan offered by the Department of Agriculture. Also known as the USDA rural development loan or USDA mortgage, it is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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