USDA and FHA Pro and Con in Bessemer, Jefferson County, AL
In 2026, the USDA loan limit for Bessemer, located in Jefferson, AL, is $336,500. Meanwhile, the FHA limitation for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess and compare today's top USDA versus FHA rates, determining the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows for side-by-side comparisons of USDA, FHA, Conforming, and VA options, assisting you in deciding which program in is best suited for your financial requirements.
2026 Loan Limits and Down Payment Requirements in Bessemer, County of Jefferson, 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 Bessemer, AL
Lendersa® is committed to offering you the best USDA or FHA loan efficiently and without hassle. Choose from three starting points that pair you with lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, is also known as the USDA rural development loan or mortgage and is only available in rural neighborhoods. Unlike FHA loans that require a minimum of a 3.5% down payment, USDA loans require no down payment.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Fieldstone 1st Mortgage was grown out of the idea that there needed to be a fundamental change in the way mortgage transactions were done. In a time where phone calls were left unanswered, text messages left unnoticed, and emails left unread, we sought to make sure that client service always remained our number one priority.
We’ve always been about community. First State Bank has a long history of serving, reaching out, and connecting in the Florida Keys. We started out in 1955, with a single Key West branch and a handful of employees. As the Keys community grew, so did the Bank, steadily adding more services and branches.
You become an owner of the credit union with your membership. Because of the cooperative effort of all members, your credit union offers several advantages over other costly financial institutions. Your membership is effective as long as you maintain a $5 minimum Share Account balance.
The Monroe County Teachers Federal Credit Union is a not-for-profit, cooperative financial institution serving its members since 1950 with a wide range of services to meet all their financial needs. As a member, you actually are a owner of the credit union. Once you join the credit union, you are always a member.
In 1940, a group of naval station employees received a federal charter and founded NAVSTA Federal Employees Credit Union. Our founders believed if they pooled their money together, they could provide more affordable financial services for everyone. They had a vision, and over 80 years later their vision has become Keys Federal Credit Union!
302 Southard Street, Suite 212, Key West, FL, 33040
Keys Financial Mortgage is a mortgage brokering institution that prides itself in providing high quality home loan services to the public.
It is our mission to provide high quality mortgage programs at the most competitive rates. Our goal is to provide our clients with the resources of the nation’s best lenders,
7000 North Mopac Expressway, Suite 200, Austin, TX, 78739
Put our speed, responsive service, and simple hard money loan products to work for you.
Our loan officers can help you in your next fix-and-flip, rental property, ground-up construction, and refinance with close rates as quick as 5 days!
If you have a viable exit strategy that is short-term—within 12 months of the funding of the loan—Park Pla
