In the year 2026, the USDA loan ceiling for Ensley, located in the county of Escambia, FL, stands at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best current USDA and FHA rates. This tool helps you determine the required income, credit score, reserves, and documents. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, which aids in choosing the right program in
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| Type of Loan | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to promptly and effortlessly connect you with the most suitable USDA or FHA loan. Choose from one of three starting options that align lenders with USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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