In 2025, within New-Albany, located in Union county, MS, the USDA loan limit is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates and ascertain the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in
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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 goal of Lendersa® is to secure you the best USDA or FHA loan promptly and without hassle. Choose one of three starting points that link you with suitable lenders and USDA loan programs.
A USDA home loan is guaranteed by the Department of Agriculture and is known as a USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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