In 2026, the USDA loan ceiling for Kellogg, located in the county of Shoshone, ID, is $356,300, whereas the FHA cap for single-family homes stands at $472,030.
Utilize the Lendersa® USDA loan calculator to weigh today's USDA against FHA optimal rates, determining the necessary income, credit, reserves, and documents for qualification. This advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you identify the ideal program for your specific financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $356,300 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly secure you the most advantageous USDA or FHA loan without stress. Begin with one of three critical pathways that lead to lender matching and USDA loan selection.
USDA home loans—guaranteed by the U.S. Department of Agriculture—serve rural locations and are known as USDA rural development loans or USDA mortgages. While FHA loans require a minimum 3.5% down payment, no down payment is needed for USDA mortgages.
Enter your location to find out if it qualifies for USDA rural housing loan?
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