In the year 2026, the USDA loan limit within the city of Combee-Settlement, county of Polk, FL, is $285,000. In contrast, for an FHA loan, it's $356,362 for a single-family home.
Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA vs. FHA rates, and determine the income, credit, reserves, and documents needed for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, which helps you identify the most suitable program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The primary goal of Lendersa® is to provide you with the best USDA or FHA loan quickly and easily. You can choose one of three starting points that are aligned with lenders and USDA loan options.
The USDA home loan, backed by the Department of Agriculture, is also known as the USDA Rural Development Loan or USDA mortgage. This loan is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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