In 2026, for Memphis within the county of Manatee, FL, the USDA loan limit is $400,000, while the FHA loan for a single-family home is capped at $506,000.
Use the Lendersa® USDA loan calculator to compare the best rates between today's USDA and FHA loans. Determine the necessary income, credit score, reserves, and documentation to qualify. With our advanced mortgage calculator, see USDA, FHA, VA, and Conforming loans side by side, enabling you to choose the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $400,000 | 0% |
| FHA | $506,000 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to provide the optimal USDA or FHA loan quickly and smoothly. Choose from three pathways that connect you with suitable lenders and USDA loan programs.
The USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as the USDA rural development loan. It is available only in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage does not need any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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