USDA Vs. FHA Pro and Con comparison in Columbiana, Shelby County, AL
In the year 2025, the USDA loan threshold in Columbiana, within the county of Shelby, AL, is set at $336,500, whereas for a single-family home, the FHA limit is $472,030.
Lendersa® offers a USDA loan calculator that allows comparisons of today's top USDA and FHA rates, showing the income, credit, reserves, and necessary documents to qualify. With our state-of-the-art mortgage calculator, you can analyze and compare USDA, FHA, Conforming, and VA options side by side, facilitating a decision on the most suitable program for your unique financial circumstances in .
2025 Loan Limits and Downpayment Essentials in Columbiana, County of Shelby, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Possibilities in Columbiana, AL
Lendersa® aims to promptly connect you with the most ideal USDA or FHA loans, doing so efficiently and with minimal stress. Begin with any of our three provided methods to match with lenders and find the right USDA loan offerings.
A USDA home loan is backed by the government, specifically the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. This type of loan is accessible only in rural areas. Unlike FHA loans that demand a minimum 3.5% down payment, USDA mortgages require no down payment at all.
First Southern Bank realizes that we must earn the right to be your bank of choice. We take great pride in our customer service and combining that with the fact that we are a locally owned and managed Southern Illinois bank allows us to feel comfortable in asking to be your bank.
Boonville Federal Savings Bank is a full-service, independent bank providing financial products & services of various types. Beginning in 1917, Boonville Federal has provided personal services to the citizens of Warrick County and the surrounding area for 102 years.This bank offers: on-line banking, checking, savings, certificates of deposits etc..
Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience over 20 years in the industry. Providing the best Options for purchasing or refinancing your home loans We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing.
Farmers State Bank is a locally owned and operated Community Bank. Our full service locations are available in Harrisburg, Illinois, Marion, Illinois and Alto Pass, Illinois. We are a FULL SERVICE COMMUNITY Bank. Expert Knowledge in Commercial Lending, Consumer Lending, Mortgage Lending, Agricultural Lending.
Evansville Firefighters Federal Credit Union has been serving its members in the EVANSVILLE, Indiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages.
Here at Sterling United Federal Credit Union we are humble to our history. The Credit Union originated in 1956 with the initial purpose being to serve employees of Sterling Brewery and their families. Amusingly enough, it all began in the brewery locker room – where employee’s checks could be cashed!
Alliance Bank & Trust is committed to being the premier financial services organization in our market and to provide outstanding quality service to our customers. We are committed to analyzing our customer’s financial needs and ensuring that we provide them with the financial products
1111 Bessemer City Kings Mountain Highway, Bessemer City, NC, 28016
The organizational meeting of LCA Federal Credit Union was held on December 17, 1956. Thirty eight potential members attended along with the nine members that incorporated the credit union idea. Officers were elected and guidelines were established. The first Directors meeting was held immediately after the organizational meeting.
WBRT Federal Credit Union was organized in 1958 and federally chartered in 1959 by the National Credit Union Administration (NCUA).
When you join WBRT Federal Credit Union you become a member of an organization owned by its members. It is always easier and more pleasant to do business where you are a member and not just an account number.
1607 Frederica Road, Suite 201, Saint Simons Island, GA, 31522
At Somerset, we believe that with the right tools - information, experience, technology and flexibility - getting through the mortgage process can be done smoothly and with confidence. Our knowledgeable, dedicated mortgage specialists are the best in the business, working with you to explore your financing goals and options.
SIU Credit Union was founded in 1938 as Jackson County Teachers' Credit Union. Today, we serve 24 counties and many employer groups in southern Illinois. As a not-for-profit, member owned, financial cooperative, we believe in serving our membership instead of maximizing profits and Today, we serve 24 counties and many employer groups in southern Il
We offer a variety of savings and investment options to fit your lifestyle. Feel confident knowing you have saved from every paycheck for all the important moments in life!
Let us help make your dreams a reality! Whether it’s a new car, boat, or vacation of a lifetime, we’ve got just the loan you need.
