In 2026, within Laurel, located in the county of Yellowstone, MT, the USDA loan ceiling is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate and compare current top rates between USDA and FHA loans. Determine the income, credit score, reserves, and documentation needed for qualification. Our advanced mortgage calculator enables a side-by-side comparison of USDA, FHA, Conforming, and VA loans to assist you in choosing the program that best meets your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to secure the optimal USDA or FHA loan for you quickly and without hassle. Begin with one of three steps designed to connect you with suitable lenders and USDA loan offerings.
A USDA home loan is a government-backed mortgage offered by the U.S. Department of Agriculture, frequently referred to as a USDA rural development loan or a USDA mortgage. It's exclusively intended for rural neighborhoods. While FHA loans necessitate a minimum down payment of 3.5%, the USDA loan does not require any down payment at all, making it a very attractive option for those who qualify.
Enter your location to find out if it qualifies for USDA rural housing loan?
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