USDA VS FHA in Chelsea, Shelby County, AL

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.

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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.

Lendersa USDA loan request and matching results

Defining a USDA Loan in AL

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.

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



  • Union Bank & Trust Company
  • 201 East Main Street, Livingston, TN, 38570
  • Union Bank & Trust Company was chartered on October 25, 1932, formed by the uniting of Old Farmer’s Bank and Citizen’s Bank with capitol stock of $50, 000.00.

    The bank was moved to our present location at 201 East Main Street in November, 1965 with a grand opening on November 24, 1965.

  • Community First Bank, Inc.
  • 3685 Blue Ridge Boulevard, Walhalla, SC, 29691
  • Our mission is to provide superior performance and outstanding customer service, while earning a reasonable profit. We will maintain safety and soundness and remain an independent bank, while being fully aware of opportunities to acquire other financial institutions. Community First Bank opened for business in March of 1990.

  • Volunteer State Bank
  • 101 Highway 52 W., Portland, TN, 37148
  • Since 1977, Volunteer State Bank has been proud to bring an enriching banking experience to the people of Middle Tennessee. Since day one, we've been committed to providing personalized service, on top of value-added products offering to help our customers reach their life goals.

  • CITIZENS BANK of Lafayette
  • 400 Highway 52 Byp W, Lafayette, TN, 37083
  • Citizens Bank of Lafayette, Tennessee, was organized under state charter on April 10, 1909. M.S. Freeman was elected as the bank’s first president and W.J. Hirring was elected vice-president. The 83 original shareholders invested $12, 000. Citizens Bank opened for business on July 1, 1909.

  • Starr Mortgage
  • 303 Red Boiling Springs Road, Lafayette, TN, 37083
  • Starr Mortgage Can Help We can customize your financial package. FHA, RD, VA, Conventional & Land-Only Loans! 100% Financing No Money Down Home Purchases Refinances / Debt Consolidation 10-30 Year Terms Available Products were inspired by Behance's research of especially productive teams in the creative industry.

  • F&M Bank TN
  • 50 Franklin Street, Clarksville, TN, 37040
  • F&M Bank is a dynamic regional bank located in middle Tennessee ... and is one of the top independent banks in the state! F&M Bank operates full-service banking offices in Clarksville, Springfield, Greenbrier, Dover, Bumpus Mills, Lebanon, Mt. Juliet, White House, Murfreesboro, Hendersonville and Cookeville.

  • Legends Bank
  • 310 N. First St, Clarksville, TN, 37040
  • Legends Bank was founded in 1998 in Clarksville, Tennessee. Today, our footprint has grown, allowing us to serve two of the five largest cities in the state and four Tennessee counties; Montgomery County, Williamson County and Davidson County.

    Legends is a community bank that’s bolstered by an extraordinary team made up of experienced lenders

  • Cumberland Bank and Trust
  • 502 Madison Street, Clarksville, TN, 37040
  • At Cumberland Bank & Trust, we realize that our customers are the reason we are here to serve our community. Like our President & CEO, Ron Sleigh says, “Cumberland Bank & Trust is a true ‘community bank.’ All five of our offices are located in Clarksville and Montgomery County. We pride ourselves on personalized customer relationships,

  • Castle Rock Mortgage, LLC
  • 120 Center Pointe Dr, Suite 4, Clarksville, TN, 37040
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  • Fortera Credit Union
  • 2050 Lowes Dr, Clarksville, TN, 37040
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  • Aniya Equity
  • 306 Madison St, Suite 371, Clarksville, TN, 37040
  • Aniya Equity is a community-focused real estate investment company located in Clarksville, Tennessee that wants to pay you cash for your home. With years of experience, we set out to help our neighbors by stimulating local development, empowering residents and property owners and aid up-and-coming communities throughout Tennessee and Kentucky.