USDA and FHA Pro and Con in Cottondale, Tuscaloosa County, AL
As of 2025, the USDA loan limit in the city of Cottondale, within Tuscaloosa county of AL, is established at $336,500, whereas the FHA loan limit for a single-family residence is $472,030.
Make use of the Lendersa® USDA loan calculator to evaluate today's premier USDA and FHA rates, determining essential qualifications like income, credit, reserves, and necessary documents. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options together, assisting you in choosing the most suitable program for your unique financial scenario in .
2025 Loan Limits and Down Payment Requirements in Cottondale, Tuscaloosa, 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 Solutions in Cottondale, AL
Lendersa® is dedicated to swiftly securing the best USDA or FHA loan tailored to your needs, eliminating unnecessary obstacles. Choose from three initial pathways to connect with lenders and discover USDA loan solutions.
A USDA home loan, officially backed by the government's Department of Agriculture, often referred to as USDA rural development or USDA mortgage, is strictly available for rural communities. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage loan has no such requirement.
2 South Mount Auburn Road, Cape Girardeau, MO, 63703
We are a community bank committed to providing high quality service to our customers and an excellent working environment for our employees and are actively involved in the communities that we serve. We offer a wide range of traditional depository products, mortgage loans, business and consumer loans, online banking and mobile banking.
Cape Regional Credit Union has been open since 1971. The credit union has assets totaling $17.03 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
2511 Independence, Suite 400, Cape Girardeau, MO, 63703
The Mortgage Place is a local start-up that began in Cape Girardeau’s Marquette Tech District as a member at Codefi. The Mortgage Place leverages sophisticated technology developed by NexSpring to give borrowers hundreds of home loan options when purchasing, refinancing, constructing or obtaining a reverse mortgage.
First Peoples Bank was organized in 1974 and opened for business January 2, 1975, as First Peoples Bank of Jefferson County, with a total of six employees. The bank operated in a portable building until it moved into its present Jefferson City office in May 1976. First Peoples Bank is the oldest bank in Jefferson County.
Plaquemine Bank and Trust Company was founded as a State Chartered Bank in 1968 by Dr. James A. Durand, with funding of $500,000 in capital representing 25,000 shares at $20 each. From the very beginning, Plaquemine Bank was a bank of the people. No economic group went without representation among our stockholders
Iberville Federal Credit Union is a not-for-profit cooperative organization of people sharing a common bond, created for the purpose of promoting thrift and providing a source of credit for provident and productive purposes. IFCU was chartered in June 1958 and formed for the employees of Iberville Parish School Board.
While we operate based on a community-banking model, our top-level experience plays an important role in how we treat our local-level customers. Regardless of account size or income, we aim to provide sophisticated banking service at Anthem Bank & Trust that's streamlined, backed by experience and demonstrates a proven ability to solve problems.
Madison County Community Bank was formed in 1999 by a group of local men and women whose purpose was to bring to our community a bank whose focus was on meeting the banking and financial needs of our local citizens and businesses. Our Board, Management and Staff all live and work in Madison County
