In 2026, the USDA loan limit in Sidney, located in the county of Richland, MT, stands at $336,500. Meanwhile, the FHA limit for single-family homes is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate and compare the best current rates between USDA and FHA loans. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the ideal program for your financial situation 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% |
The aim of Lendersa® is to promptly provide you with the most suitable USDA or FHA loan, without hassle. Choose one of three methods to connect with matching lenders and access USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and available exclusively in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, the USDA loan requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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