In 2025, in Stanford, Lincoln, KY, the USDA loan limit is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates and figure out the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to help determine which program in Alabama best suits your financial needs.
Compare loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly provide you with the best USDA or FHA loan options, hassle-free. Select from one of three starting points that connect you with matching lenders and suitable USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
|
|
|
Bridge Loan Guides
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
