USDA Vs. FHA Pro and Con comparison in Cullman, Cullman County, AL
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.
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839 Bestgate Road, Suite 131, Annapolis, MD, 21401
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