USDA and FHA Pro and Con in Decatur, Morgan County, AL
In 2026, 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.
2026 Loan Limits and Down Payment Requirements in Decatur, County of Morgan, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
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.
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.
Founded in 1901, Citizens State Bank is a community bank committed to offering useful financial products and standout customer service. We are dedicated to providing banking solutions that will make you glad that you chose our Bank. With over 100 years of service to our community, the Citizens State Bank is your hometown bank.
Here at The First National Bank of Hebbronville, we provide you with the best banking possible.
Please come by our location and meet a group of people that will strive to perfect all your banking needs. In addition, you may bank with us 24 hours a day through our Internet Banking or our AudioTel telephone system.
Caprock Federal Credit Union has been open since 1965. The credit union has assets totaling $38.06 Million and provides banking services to more than 4, 000 members as of March 2022.
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200 North Fifth Street, Carrizo Springs, TX, 78834
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The Bank of Richmondville was established in 1881 by the honorable Judge John Westover and James Foster as a privately owned bank. The bank's initial facility was located at Main and Summit Streets in Richmondville, New York.
In the fall of 1893, through the efforts of William Lewis and A.D. Frasier, the Bank of Richmondville was organized
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