For the year 2026, the USDA loan ceiling in Scott-City, within the county of Scott, KS, is $285,000. On the other hand, the limit for an FHA loan for a single-family dwelling is $356,362.
To evaluate today's top USDA versus FHA rates, make use of the Lendersa® USDA loan calculator. This allows you to identify the income, credit, reserves, and documents necessary to qualify. Through our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side to determine the most suitable program for your financial scenario in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to secure the most suitable USDA or FHA loan for you swiftly and hassle-free. Begin with one of three pathways to find lenders aligned with your USDA loan needs.
The USDA home loan, backed by the government Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is specifically available in rural areas. Unlike FHA loans that have a minimum down payment requirement of 3.5%, the USDA mortgage does not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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