USDA and FHA Pro and Con in Clanton, Chilton County, AL

For 2026, the USDA loan limit in Clanton, situated in Chilton County, AL, is $336,500. The FHA limit for a single-family home is $472,030.

Take advantage of the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Assess the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to evaluate USDA, FHA, Conforming, and VA loans side by side, facilitating your decision on the best program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Clanton, Chilton County, 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 Choices in Clanton, AL

Lendersa® is committed to providing you with the best USDA or FHA loan quickly and without hassle. Select one of three starting options designed to connect you with appropriate lenders and USDA loan programs.

Results from Lendersa USDA loan request

Defining USDA Loans in AL

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans have no down payment requirement.

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



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  • Mortgage Source PA
  • 1346 S Atherton Street, State College, PA, 16801
  • As a mortgage broker, we work for you - not the bank. We work to fit you with the best loan program and lender to meet your mortgage needs and we represent you throughout the entire process. Giving you the personal attention you deserve, we will streamline the process for you from the application to the decision.
  • Professional Choice Mortgage
  • 100 North Patterson Street, State College, PA, 16801
  • Professional Choice Mortgage is a mortgage broker based in State College, PA that was started in March 2005. We specialize in providing analytical tools and market knowledge regarding rates, so that you can make informed decisions about your mortgage and understand how it fits into your financial plan.
  • Principle Home Mortgage
  • 1402 S. Atherton Street, Suite 002, State College, PA, 16801
  • We're Principle Home Mortgage - a full service Pennsylvania mortgage broker offering the loans that will fit your needs. Our offices are located in State College, and we have decades of experience in Pennsylvania mortgages. Our mission is to provide exceptional customer service for all borrowers no matter the situation.
  • TRUE HOME MORTGAGE
  • 1315 S Allen St, Suite 207, State College, PA, 16801
  • True Home Mortgage we are a full service mortgage company based in State College. We specialize in First Time Homebuyer Programs in State College. We also serve the surrounding cities such as Bellefonte, Centre Hall, Port Matilda, Philipsburg, Altoona, Tyrone, and Lewistown. Whether you are buying a home of refinancing
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  • 206 North Franklin Street, Port Washington, WI, 53074
  • Clarence Hill & George Henry opened the doors to their new bank at 206 N. Franklin St. in Port Washington, Wisconsin on Sept. 11, 1899 less than a year after the Great Wisconsin Chair Factory Fire destroyed the town’s business district. From this modest start, PWSB has grown to more than $637 million in funds & loan assets under active managem
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  • 3131 Holly Road, Corpus Christi, TX, 78415
  • Texas Bridge Credit Union is a voluntary cooperative, not-for-profit savings institution, incorporated under the Texas Credit Union Act in 1951 for the purpose of encouraging thrift among its members, creating a source of credit at a fair and reasonable rate of interest, and providing an opportunity for its members to use.
  • Century Finance Co
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