In the year 2026, the USDA loan limit in Lake-Alfred, located in Polk county, FL, is $285,000. Meanwhile, the FHA limit is $356,362 for a single-family house.
Use the Lendersa® USDA loan calculator to benchmark the current USDA versus FHA rates and ascertain necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side to help pinpoint the best program for your financial needs in Alabama.
Explore loan options from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to efficiently deliver the best USDA or FHA loan for you. Choose from three initial paths matching you with lenders and USDA loan offerings.
The USDA home loan, guaranteed by the Department of Agriculture, also referred to as the USDA Rural Development Loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a 3.5% minimum 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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