USDA Vs. FHA Pro and Con comparison in Center-Point, Jefferson County, AL
In 2026, the USDA loan limit for Center-Point, located in Jefferson county, AL, is $285,000. In contrast, the FHA loan limit is $356,362 for a single-family dwelling.
Utilize the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates. Determine required income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator enables side-by-side examination of USDA, FHA, Conforming, and VA options, helping you decide which program is ideal for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Center-Point, Jefferson County, AL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Alternatives in Center-Point, AL
Lendersa® aims to secure the best USDA or FHA loan for you quickly and easily. Choose one of three starting points that facilitate locating match lenders and USDA loan programs.
The USDA home loan is a government-backed loan by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans requiring a minimal down payment of 3.5%, USDA loans do not require any down payment.
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