USDA Loan Vs. FHA loan for Decatur, AL [Morgan County ]

In 2025, the USDA loan limit in Decatur, located in Morgan County, AL, is $336,500 while the FHA limit for a single-family dwelling is set at $472,030.

Utilize the Lendersa® USDA loan calculator to compare and contrast today's leading USDA versus FHA rates. Determine the income, credit, reserves, and documents necessary for qualification. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, aiding your decision regarding the best program in for your financial situation.

USDA and FHA Loan Options in Decatur, AL

Lendersa® aims to provide you with the finest USDA or FHA loan swiftly and without hassle. Begin by choosing one of three entry points that align you with lenders and USDA loan programs.

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Understanding the USDA Loan in AL

The USDA home loan, backed by the government’s Department of Agriculture, is also known as the USDA rural development loan or mortgage, and it is exclusively available in rural neighborhoods. Unlike FHA loans that require a minimum of a 3.5% down payment, USDA mortgage loans require no down payment at all.

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(706) 235-8551 Lender's profile and map Reviews Coosa Valley Credit Union 2010 Redmond Cir NW, Rome, GA, 30165 "We Care" and "We Treat You Like Family" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service you deserve.
(877) 367-5371 Lender's profile and map Reviews Renasant Bank 209 Troy Street, Tupelo, MS, 38804 Our vision is to be the financial services advisor and provider of choice in each community we serve. Our Mission is to To provide quality financial services and advice by: Understanding, then meeting the needs of our customers, Creating security and opportunity for our employees, Being good citizens in our communities.
(662) 343-8793 Lender's profile and map Reviews Ampot Federal Credit Union 40481 Old Highway 45 S, Hamilton, MS, 39746 AMPOT Federal Credit Union was founded as a credit union for American Potash employees and their immediate families, June 30, 1969. We have served these families since that time and we have remained a strong, secure credit union throughout the years. Since our beginning, American Potash has changed names to Kerr McGee Chemical and now it is Tronox.
(205) 375-6261 Lender's profile and map Reviews West Alabama Bank 509 1st Avenue West, Reform, AL, 35481 Welcome to West Alabama Bank. We’re the hometown Bank for West Alabama, helping people, businesses and our communities grow stronger and better with each day. As a local Bank, we make decisions right here, which means we have the freedom to be creative and flexible in supporting you.
(706) 638-2520 Lender's profile and map Reviews The Bank of La Fayette, Georgia 101 West Patton Street, La Fayette, GA, 30728 The Bank of LaFayette received its original charter from the state of Georgia in 1889. Founded by a group of local investors from the LaFayette and south Walker County area, the bank did not actually begin business for another ten years. On July 18, 1899, The Bank of LaFayette opened for business in a location on the west side of the town square.
(423) 267-7621 Lender's profile and map Reviews Chattanooga First Federal Credit Union 3120 Broad Street, Chattanooga, TN, 37408 Chattanooga First Federal Credit Union started out small with the sole ambition of serving employees of U.S. Pipe and Foundry and their families. Over time, we've expanded our membership base to others and now offer a comprehensive range of credit union services. Chattanooga First Federal Credit Union Established in 1961.
(423) 756-6201 Lender's profile and map Reviews Chattanooga Neighborhood Enterprise 1500 Chestnut Street, Suite 102, Chattanooga, TN, 37408 Chattanooga Neighborhood Enterprise, Inc. was founded in 1986 to help improve the quality of life in Chattanooga by building strong, sustainable neighborhoods through the promotion and preservation of homeownership. CNE has helped over 4.000 Chattanooga residents purchase their first home.
(423) 266-8730 Lender's profile and map Reviews Mortgage Assurance, LLC 1391 Holmes Street, Suite 119, Chattanooga, TN, 37408 Morgage Assurance is ready to help you purchase your dream home today. We are a family owned business located in Chattanooga, Tennesee Mortgage Assurance has nurtured relationships with numerous lending companies across the U.S., which allows us to custom fit a lender for the loan program.
(423) 535-6103 Lender's profile and map Reviews BCBST Employee Credit Union 1 Cameron Hill Circle, Chattanooga, TN, 37402 The credit union began operating on January 1, 1972, with 452 members & $4, 766 in shares. After over 5 decades of service, the credit union’s membership has increased to over 2, 800, with total assets exceeding $10 million. You can do business with the BCBST Employee CU with confidence because of its history of stability, professionalism & growth.
(423) 756-3300 Lender's profile and map Reviews Comtrust Federal Credit Union 1020 Riverfront Parkway, Chattanooga, TN, 37402 Comtrust FCU is a strong, well capitalized credit union whose member accounts are federally insured to $250, 000 by the National Credit Union Administration, one of the strongest insurance funds in the country. We take pride in assuring our members that their account information is secure, private and protected with up-to-date technology available.
(423) 558-3400 Lender's profile and map Reviews RockPoint Bank, National Association 401 Chestnut Street, Suite 101, Chattanooga, TN, 37402 When it comes to managing your money and growing your company, a banking relationship based on personalized service is becoming harder to find- that’s why we created RockPoint Bank. We're a locally-owned business bank headquartered in Chattanooga, Tenn., that embraces the spirit of our community.