USDA Vs. FHA Pro and Con comparison 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.
1512 Technology Drive, Suite 103, Chesapeake, VA, 23320
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Tidewater Home Funding, LLC has been helping neighbors across Hampton Roads and Northeast North Carolina realize the dream of homeownership. Processing, underwriting, loan closing, and funding functions are local and performed in-house enabling our team to provide the utmost in customer service.
2147 Old Greenbrier Rd, Suite A, Chesapeake, VA, 23320
Atlantic Financial Services is a family-owned company that has provided traditional installment lending for more than 20 years. Burnie Staples is the founder and President of Atlantic Financial Services. We are committed to valuing and enriching our customers and employees and being a leader in innovation and technology.
Topside Federal Credit Union was federally chartered in 1961, and has grown into a full-service financial institution with total assets of over $400 million dollars. We value our members' trust, and work diligently to offer the financial services our members need and want. Our members' funds are federally insured by National Credit Union
C and R Credit Union, in Clay Center, offers a variety of services, including: checking and savings accounts; loans for new and used automobiles, boats, and motorcycles; machinery loans; even loans for jet skis, recreational vehicles, campers and 4-wheelers. Christmas loans and accounts are also available.
Community Bank has been serving Alva, Oklahoma and the surrounding areas since 1984. Community Bank was founded by local community members who wanted to ensure the banking needs of the community were being met. It has been our goal since inception to provide customer-focused services and community development.
BancCentral National Association, founded in 1919, offers a range of depository and lending services.
BancCentral National Association is a commercial bank based in Alva, Oklahoma. It was built in 1901 and has been owned and operated by the Myers family since 1919.
We will customize a trust specifically for your needs and Confidential
Sunflower UP Federal Credit Union was formed January 14, 1952 by seven Union Pacific Railroad employees. The par value of a share was $5.00, just as it is today. Membership was open to employees of the Fourth Subdivision of the Union Pacific Railroad and their families. The first office was in the Roundhouse of the Union Pacific Railroad depot.
