In the year 2026, the USDA loan limit for Huber-Heights in the county of Montgomery, OH is $285,000, while the FHA cap for a single-family home is $356,362.
To compare the best rates of USDA and FHA loans today, utilize the Lendersa® USDA loan calculator. Determine the necessary income, credit, reserves, and documentation for qualification. Through our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side, helping you to decide which program in Alabama suits your financial circumstances best.
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| Loan Type | Max Loan | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to connect you rapidly with the most efficient USDA or FHA loan, free of hassle. Opt for one of three main routes that pair you with lenders offering USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, is also known as the USDA rural development loan or mortgage. Exclusively available in rural areas, unlike FHA loans which need a down payment of no less than 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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