USDA Vs. FHA Pro and Con comparison in Birmingham, Jefferson County, AL
In the year 2025, the USDA loan ceiling in Birmingham, located in the county of Jefferson, AL, is set at $336,500. Comparatively, the FHA cap for a single-family dwelling is $472,030.
To evaluate today's most competitive USDA vs. FHA rates, try the Lendersa® USDA loan calculator. This tool helps ascertain the income, credit, reserves, and documentation prerequisites, enabling qualification. Using our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side-by-side to identify the most suitable option for your fiscal needs within .
2025 Loan Limits and Down Payment Obligations in Birmingham, 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 Opportunities in Birmingham, AL
The aim of Lendersa® is to facilitate access to optimal USDA or FHA loans quickly and effortlessly. Choose from three starting approaches that seamlessly match lenders with USDA loan offerings.
The USDA home loan, which is guaranteed by the U.S. government’s Department of Agriculture, also known as the USDA rural development loan or mortgage, is specifically designated for rural locales. Unlike FHA loans that necessitate a minimum down payment of 3.5%, the USDA mortgage requires zero down payment.
60 East Plato Blvd, Suite 100, Saint Paul, MN, 55107
Drake Bank is a purpose-driven independent bank in St. Paul. We were founded in 2002 by a group of successful local entrepreneurs committed to helping others succeed for the shared prosperity of their community. Our 70+ founders invested their own money to fund the first business loans, and many are still shareholders today.
251 West Lafayette Frontage Road S, Saint Paul, MN, 55107
TENA is dedicated to leveraging its deep industry experience and comprehensive approach to Quality Control to provide clients the information and technology necessary to navigate compliance challenges faced in the mortgage industry.We provide the highest quality products and services and develop long-term.
175 West Lafayette Frontage Rd, Saint Paul, MN, 55107
Affinity Plus is a not-for-profit member-owned cooperative. We improve the lives of our members through meaningful banking, exceptional experiences, and trusted relationships. We are honest and trustworthy. We are open to new ideas and feedback. We learn from our mistakes. We adapt as the world changes, and work evolves by leveraging technology,
Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members' financial lives and exemplifying the credit union philosophy of "people helping people
2038 Ford Parkway, Suite 510, Saint Paul, MN, 55116
Join KPT Mortgage Advisors LLC in revolutionizing the mortgage industry! We're not just brokers; we're trailblazers dedicated to transforming your financial journey. Our mission is clear: empower everyone, from first-time buyers to seasoned investors. Experience unparalleled guidance and advocacy as we prioritize your financial well-being. Contact
La Joya Area Federal Credit Union has been open since 1961. The credit union has assets totaling $68.95 Million and provides banking services to more than 15, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a membe
380 Saint Peter St, Suite 500, Saint Paul, MN, 55102
We offer banking, mortgage, investment, wealth management, trust and insurance in Minnesota, North Dakota and Wisconsin. We’re here to help you solve your toughest problems, seize your biggest opportunities, and achieve success on your terms, now and in the future. Bremer Bank has roots in the places where we live and work that go back to 1943.
At Edina Realty, we believe that an informed buyer or seller is an empowered one. We offer as much information online as possible, and our agents can fill in the gaps that data can’t provide by offering insights you can use throughout the home buying or selling process in Minnesota and western Wisconsin.
As a member-owned credit union, the first step in opening an account is to open a Share Savings Account with a $5.00 deposit. This deposit represents your share in the Credit Union. It provides you with the privilege of voting for your Board of Directors, Committees and to participate in the variety of services available.
The Grant County State Bank was chartered in 1907. It endured the Great Depression of the 1930s and remained a bulwark through the 1980s, when U.S. banks were failing at record rates. Our capital strength and our community's support have allowed our Bank to emerge as a leader in financial products and services.
