As of 2026, the USDA loan limit in Chelsea, situated in the county of Shelby, AL, is $336,500. For an FHA single-family home, the limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate current top USDA compared to FHA rates. It aids in determining required qualifications, such as income, credit history, reserves, and necessary documentation. This advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, enabling you to choose the best option in for your financial situation.
2026 Loan Limits and Down Payment Specifications in Chelsea, Shelby, AL
Loan Type
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Considering USDA and FHA Loan Options in Chelsea, AL
Lendersa® aims to promptly secure for you the finest USDA or FHA loan with ease. Opt for one of three initial steps to connect with matching lenders and USDA loan plans.
A USDA home loan, endorsed by the Department of Agriculture and known as a rural development loan or USDA mortgage, is solely accessible in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans demand no down payment at all.
5 Statehouse Plaza, Suite 500, Little Rock, AR, 72201
"Bank of England Mortgage has taken pride in the being there when our borrowers need us. Our mission is to deliver total value to our customers. This means competitive rates, STRESS-FREE closings, extensive product knowledge, and a friendly, helpful attitude.
Bank of England Mortgage offers the strengths of a strong capital base"
We provide real estate investors with straightforward lending solutions and expert guidance, paving the way for profitable commercial and residential deals. FixedLending isn’t just a middleman looking to earn a quick commission by sending your loan needs to a large lender. Instead, we use our own funds and secure private money to make smart and fas
Century Bank opened in 2000 after a group of enthusiastic Anderson Countians joined with a vision to bring the experience of “hometown banking” back to our community. Because the bank is locally owned and managed, the daily banking decisions are made in Lawrenceburg by local people who know and understand the financial needs of our area.
1100 North Jefferies Boulevard, Walterboro, SC, 29488
Bank of the Lowcountry is a local community bank founded in Walterboro, SC – the “front porch of the Lowcountry.” Our institution was founded by ten prominent Walterboro businessmen in October of 1988, resulting in the first commercial chartered bank organized in Walterboro in over 65 years.
1ST FEDERAL SAVINGS BANK OF SC, INC. “The Family Bank” Our institution was established in August of 1963 as First Federal Savings & Loan Association of Walterboro. Through the years our name has changed, but our founding principle has remained the same: providing outstanding service
The Bank of Commerce was chartered in 1927 to serve the community needs of The Town of White Castle. The philosophy of the Bank since it began has been to approve every loan that would benefit the individual, the community, and the bank. This statement is the embodiment of this philosophy and a reaffirmation of our goal to continue to do so.
Southern Illinois Bank offers a comprehensive line of banking products with superior customer service. These products and services are offered through experienced, conscientious and conservative bank personnel who know their customer, their families and their needs. This kind of familiarity instills an extreme sense of customer loyalty.
CAMPUS serves over 100,000 members from all over the world. As a not-for-profit cooperative, we are owned by our members. Profits are returned to our member-owners in the form of no- and low- cost financial services. Since our members own CAMPUS, we can never be bought, nor can we merge with another institution without our members’ approval.
Autotruck Financial Credit Union was chartered in the State of Kentucky on June 13, 1961 as a not for profit cooperative to serve the employees of the Ford Motor Company. In 1965, the Credit Union was granted a Federal Charter & operated under Federal Law until 2011. On November 8 2011 the State of Kentucky issued the Credit Union a state charter.
Class Act Federal Credit Union was established by a small group of JCPS teachers in 1954 to serve the personal finance needs of JCPS teachers and other school employees. At that time, teachers had very limited access to loans or credit of any kind. The credit union filled this need and did so at very competitive rates.
The Department of Veterans Affairs offers a loan guaranty program to veterans, current military members, and their families to assist them in becoming home owners during or after their time of military service. This program was begun in 1944 to aid returning service members who had fought in World War II. During the past seventy-plus years.
