USDA Vs. FHA your options comparison in Mobile, Mobile County, AL

In 2024, USDA loan limit in Mobile, county of Mobile, AL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Mobile, county of Mobile, AL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Mobile, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Forewest Financial LLC
  • 2966 Oak Valley Circle, Sandy, UT, 84093
  • Forewest Financial LLC or ForewestMortgage.com is a licensed mortgage broker. We shop and use wholesale lenders nationwide to obtain the best possible mortgage loan financing available to any given borrower profile. We do conventional, FHA and VA loans as well as non-conventional lending.
  • Sugar House Mortgage
  • 2091 East 1300 South, Suite 203, Salt Lake City, UT, 84108
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • FinWise Bank
  • 820 East 9400 South, Sandy, UT, 84094
  • FinWise Bank envisions a community where individuals, families, and small businesses have access to transparent financial products and services that provide exceptional value and are delivered on demand help our customers reach their financial goals by delivering exceptional products in a manner that continually surpasses expectations.
  • Blue Coral Financial Inc
  • 735 East 9000 South, Suite 201, Sandy, UT, 84094
  • Blue Coral Financial is a full-service Utah home mortgage company based in Sandy, Utah. Whether you are buying a home and need a home mortgage loan, or want to refinance your home, we are here to help you save time, stress and money. We specialize in all types of home mortgage financing, focusing particularly on Housing loans, FHA loans, VA loans.
  • Metropolitan Mortgage, Inc.
  • 1046 E Mach Schnell Dr, Sandy, UT, 84094
  • METROPOLITAN MORTGAGE, INC. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • CINCH HOME LOANS
  • 10708 S 1300 E, Ste 105, Sandy, UT, 84094
  • Cinch Home Loans is a team of highly qualified mortgage professionals licensed as Mortgage Loan Originators. Our idea is simple: If your loan is a cinch, then don’t overpay.Specifically, we specialize in providing affordable mortgage origination service for customers of owner-occupied properties with good credit.
  • Hi-Land Credit Union
  • 5366 S Executive Park Drive, Murray, UT, 84117
  • Hi-Land Credit Union in Murray we’re happy to reliably fulfill the community’s need for a wide range of financial services. This includes free checking, auto, home improvement loans, and most other banking services. Over the years we’ve developed a solid track record of personalized, friendly, and dependable customer care.
  • Home Quest Lending LLC
  • 4685 South Highland Drive, Suite 105, Holladay, UT, 84117
  • We maintain a high level of communication with our clients and are constantly evolving with the mortgage industry in technology and policy. Our experience and understanding of the process makes for a smooth, efficient closing that our clients rave about time and again. Home Quest Lending, a local mortgage broker here to fund your purchase.
  • LoanRemedy LLC
  • 4568 Highland Dr, Suite 250, Salt Lake City, UT, 84117
  • "Our Utah Mortgage Team serves: Salt Lake City, Millcreek, Provo, Orem, Ogden, and other surrounding areas. That’s right. We are available to our clients 7 days a week. We’re committed to providing the best loan treatment in the industry, while also curing your worries during the process."
  • Primary Source Lending
  • 5442 South 900 East, Suite 142, Salt Lake City, UT, 84117
  • Primary Source Lending was established in 2020 by the father and son team of Alma and Spencer Hansen. With more than 42 years of combined experience in the Hard Money and Private Money business there is no other team in Utah that has the breadth of knowledge and experience to assist you on your next deal.
  • Mountain America Credit Union
  • PO Box 2331, Sandy, UT, 84091
  • Mountain America Credit Union is a member-owned, full-service financial institution. Federally insured by NCUA. Equal Housing LenderCredit Union assists members on the right path to help them identify and more than 990, 000 members and $13 billion in assets, Mountain America Credit Union assists members on the right path to help them identify.
  • Loans by Vicky
  • 8325 N. Cedar Drive, Eagle Mountain, UT, 84005
  • Vicky is a loan officer who works directly with wholesale lenders to give you the best options. I take the needs of my clients seriously. I will listen to your specific situation and work to find the loan that is best for you. I will keep you updated throughout the entire process and quickly respond to any questions