In the year 2026, the USDA loan cap in Middleburg, within the county of Clay, FL is $345,900. On the other hand, the FHA cap for a single-family house is $526,700.
To compare the top USDA and FHA rates available today, use the Lendersa® USDA loan calculator. Determine the necessary income, credit, reserves, and documents to qualify. Our comprehensive mortgage calculator provides side-by-side views of USDA, FHA, Conforming, and VA programs, aiding you in deciding which option in Alabama suits your financial needs best.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $345,900 | 0% |
| FHA | $526,700 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to swiftly and seamlessly secure you the most favorable USDA or FHA loans. Begin with any of three options to connect with matching lenders and USDA loan plans.
A USDA home loan is backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is accessible only in rural areas. Unlike FHA loans, which require a 3.5% down payment, a USDA mortgage does not necessitate any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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