USDA Vs. FHA your options comparison in Clayton, Barbour County, AL
In 2026, the USDA loan limit for Clayton, county Barbour, in AL, is $336,500, while the FHA limit is set at $472,030 for a single-family home. Understanding these limits can help you navigate which loan types are available to you for buying a home.
Lendersa® offers the USDA loan calculator for comparing the most competitive USDA versus FHA rates currently available. It enables you to evaluate the necessary income, credit, reserves, and documents required to qualify effectively. Our advanced mortgage calculator gives you a direct comparison of USDA, FHA, Conforming, and VA loan options, making it easier for you to select the best financing program aligned with your financial requirements in .
2026 Lending Limits and Down Payment Requirements in Clayton, Barbour, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Deep Dive into USDA and FHA Loan Opportunities in Clayton, AL
The overarching goal of Lendersa® is to ensure you access the finest USDA or FHA loan with efficiency and minimal complexity. Choose from three primary paths, leading to optimal lender matches and exploration of USDA loan solutions:
A USDA home loan is a financial product guaranteed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or simply USDA mortgage. This loan is specifically designed for residents in rural communities, providing an accessible path to home ownership without the need for any down payment. In contrast, FHA loans require at least a 3.5% investment, which can be a barrier to home ownership for many individuals.
Founded in 1934 as San Diego Metropolitan Credit Union to serve City employees, & re-established in 2018 as Wheelhouse Credit Union to serve all of San Diego, we have deep roots in the community & are committed to helping our Members & our beautiful City thrive. We help San Diegans achieve their financial goals through high-yield deposit accounts.
Alexis Roper wanted to be an entrepreneur (although I did not understand the meaning of the word at that time) since I was a little girl. Alexis started her career in the mortgage industry as a Loan consultant. Alexis Roper believe what makes my career so enjoyable is helping people, and surmounting what is seemingly impossible.
9201 Spectrum Center Blvd, Suite 300, San Diego, CA, 92123
California Coast Credit Union is the longest-serving financial institution in San Diego. The Credit Union was started by teachers in 1929 and we continue to support local educators, schools and universities through our Financial Wellness program, Cal Coast Cares community events and our non-profit, the Cal Coast Cares Foundation.
We're proud to be a part of San Diego, full of one-of-a-kind communities and diverse and passionate doers. At MyPoint Credit Union, we want to help these doers - individuals, families, local businesses and everyone in-between - do more of the things they love in the city they call home.
9089 Clairemont Mesa Boulevard, Suite 307, San Diego, CA, 92123
World Wide Credit Corporation ("WWCC") is committed to responsible lending, offering the right product to the right client, and forging strategic business relationships for the betterment of our customers and employees. Our longevity in the community is a testament to our business platform and ability to adapt as the marketplace ebbs and flows.
4550 Kearny Villa Road, Suite 215, San Diego, CA, 92123
First California Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual needs. Let us simplify the process of securing a mortgage by offering the latest in financial tools.
8799 Balboa Avenue, Suite 155, San Diego, CA, 92123
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
4760 Murphy Canyon Road, Suite 202, San Diego, CA, 92123
Established in 1989 by San Diego resident Zaldy G. Garcia, AMERICA ROYALE MORTGAGE & CLASSIC AMERICAN REALTY has experienced phenomenal growth. The independently owned and operated company has grown through a unique client, agent and broker refferal network. Home Magazine recently ranked us one of the top offices in the nation.
Pacific West Finance is a commercial and residential financial firm. Specializing in Construction loans, private money, bridge financing, unsecured and secured credit facilities, and mergers and acquisitions. Incorporated in 2007, however our corporate officers have over 20-years of experience in procuring financing
We specialize in finding the right home loan for each customer. Whether you are a first home buyer or an experienced property investor, we want to exceed your expectations and ensure you are comfortable throughout the home loan process. Pacific Home Mortgage Funding, Inc. is working hard to advise and assist borrowers in obtaining their home loans.
Our primary goal is to provide excellent service to our customers.We promptly return phone calls & respond to emails & letters.Throughout the lending process, we provide regular loan updates & progress reports so you always know the status of your loan application.We pride ourselves in delivering the most competitive mortgage rates & product.
1132 San Marino Drive, Suite 100, San Marcos, CA, 92078
KRC Realty Services is comprised of a team of local real estate professionals committed to selling some of the most desired homes in San Diego County. KRC Realty Services is a team of local real estate experts ready to reveal the secrets of how we can help you. Our team of local experts is ready to guide you through the home-buying process.
