USDA Vs. FHA your options comparison in Clayton, Barbour County, AL
In 2025, 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 .
2025 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.
Eddy Federal Credit Union is committed to making available products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with the credit union.
Western Commerce Bank opened its doors June 3, 1961 in the small town of Loving, New Mexico. Since that time, the bank has grown and expanded to include eleven full-service locations throughout New Mexico in Carlsbad, Loving, Hobbs, Lovington, Tatum, and Albuquerque. Our slogan is “Pulling Together For You”, and we take that seriously.
Western Bank of Artesia, New Mexico was chartered and opened for business as Peoples State bank on August 2, 1948 on the Calvin Dunn property located at 4th and Quay in Artesia, New Mexico, the same location that the bank occupied from 1948 to 2000. The bank was first housed in temporary quarters in a small sheet iron building.
Artesia Credit Union is a member-owned, cooperative, non profit financial services institution founded and operated to encourage thrift among its members, create a source of credit at a fair and reasonable rate of interest, and provide an opportunity for its members to improve their economic condition in a friendly manner.
First American Bank serves New Mexico with sixteen full service locations in fourteen communities and mortgage offices in Ruidoso, NM, and Rio Rico, AZ. Over the past century, First American Bank has remained true to its mission by providing a full spectrum of financial services; building lasting customer relationships
RiverWood Bank is a network of community banks located in nine communities in Northern and Central Minnesota, including the cities of: Bagley, Baudette, Baxter, Benson, Bemidji, Big Lake, Crosslake, Monticello, and Morris. Our Mission is to Empowering employee-owners to exceed customer expectations.
We are committed to providing the best in financial products and services, and will search for creative solutions to your needs. Our flexibility and responsiveness to your requests allow us to tailor our services to meet your unique needs and to provide you with the best banking services available.
Huron Telco opened our first office in 1954, thanks to the employees of Northwestern Bell. The membership has expanded over the years with the addition of sponsor groups & their families. The credit union took another step to secure our future by merging with H&B Federal Credit Union in January 2006. That’s when we changed our name to HB Telco FCU.
86 Lafayette Road, Suite 4, North Hampton, NH, 03862
Forthright Mortgage representatives have over 20 years combined experience and have handled all types of loans and situations. We are a local company with real people who care about their customers. We will care for you and your mortgage needs from the beginning until the very end and further.
The ASECU was organized on February 15, 1954, with 7 members. We currently have almost 1000 members. The board of directors and committee members meet monthly to review the general operations, set interest rates, and review agenda items The Credit Union has mailboxes at both the Alexandria Technical & Community College and Voyager School.
Viking Bank, we are proud to be locally owned and operated and are committed to providing a positive banking experience for our customers. We are community bankers and proud of it. Our team of talented and knowledgeable bankers are focused on making the needs of our customers their foremost priority with relationships based
People in the Two Harbors area who believed townspeople could benefit from an alternative to commercial banks founded THFCU in 1948. Founders envisioned a model financial cooperative where people pooled their money for borrowing and would have a safe place to save money. In contrast to a commercial bank, the "credit union
