For 2025, the USDA loan ceiling in Cullman, within Cullman county, AL, is set at $336,500, while the limit for an FHA loan for single-family homes is $472,030.
Leverage the Lendersa® USDA loan calculator to find and compare today's leading USDA versus FHA rates. Determine necessary income, credit, reserves, and documentation to qualify. Our robust mortgage calculator showcases USDA, FHA, Conforming, and VA programs side by side, aiding you in choosing the best fit for your finances in .
2025 loan limits and down payment specifics in Cullman, Cullman county, 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 Alternatives in Cullman, AL
The mission of Lendersa® is to swiftly and seamlessly find you a top USDA or FHA loan option. Choose from three initial steps that facilitate matching with lenders and USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is specially designed for rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans necessitate no down payment.
The Real Estate Funding team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
As a CDFI, Citizens Bank puts its communities first and values local economic growth. It does so by investing in areas underserved by the traditional banking sector, engaging in lending that supports affordable housing, small businesses and community facilities, and providing technical financial assistance to its customers.
Marketplace Mortgage of TN, LLC is a premier mortgage lender in Nashville, combining national strength with southern hospitality. We are proud to be one of the best mortgage lenders in the Middle Tennessee area. We happily serve clients in Nashville, Murfreesboro, Hermitage, Clarksville, and more.
Nashville Firemen’s Credit Union (NFCU) lobby is now open. For your safety and the safety of NFCU staff, face coverings will be required when visiting the branch. The Drive through window remains open with full services for those who chose not to come into the lobby.
The safety and well-being of our employees, members.
We are very excited to have recently opened this branch of Community Mortgage in historic East Nashville, just minutes from downtown Community Mortgage Advisors, you will receive highly personalized service from senior loan officers. Whether you are looking to purchase or refinance, we offer each customer a free mortgage analysis.
At Integrity Mortgage Funding, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
When it's time to get a mortgage loan, you should know the difference between a loan officer and a mortgage broker. A mortgage broker is an independent agent who secures financing through outside lenders. This means more options than the standard bank loan officer can offer. We find the lender who has the right program to fit your needs.
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.
Tennessee Employees Credit Union has been open since 1993. The credit union has assets totaling $31.01 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans.
