USDA and FHA Pro and Con in Dothan, Houston County, AL

In 2025, USDA loan limit in Dothan, county of Houston, AL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Dothan, county of Houston, 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 Dothan, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Tioga-Franklin Savings Bank
  • 320 East Girard Avenue, Philadelphia, PA, 19125
  • Tioga-Franklin is the little bank with the big difference. We have been around since 1873, so we know a few things about quality banking. At Tioga-Franklin, you get all the benefits of a large banking institution in addition to the personalized, familiar environment of a small, community bank. As a Tioga-Franklin customer.
  • Tioga-Franklin Savings Bank
  • 320 East Girard Avenue, Philadelphia, PA, 19125
  • Our mission is to serve our customers with honesty, integrity, and competence. Our goal has always been 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.
  • F&M Bank
  • 1701 Stone Street, Falls City, NE, 68355
  • F&M Bank in Falls City. We offer a comprehensive package of financial products and services. But perhaps most importantly, our bank is built on a friendly and knowledgeable staff who truly enjoy helping our customers meet their financial needs. At F&M Bank, you will find that our bank is large enough to meet all of your financial needs
  • Trouvaille Federal Credit Union
  • 4700 Wissahickon Avenue, Suite 126, Philadelphia, PA, 19144
  • The Trouvaille FCU is a financial cooperative owned by its members. It strives to improve the quality of life of its members by encouraging regular savings. Trouvaille FCU provides access to financial education and services to its members. It is particularly focused on extending financial services to those traditionally.
  • West Branch Valley Federal Credit Union
  • 1640 High Street, Williamsport, PA, 17701
  • AVCO was the first Select Employer Group to belong to the credit union. As the credit union allowed more Select Employer Groups to join, the membership became more diverse and geographically disbursed. In 1995 the credit union changed its name to West Branch Valley Federal Credit Union to be more representative of its membership area.
  • Woodlands Bank
  • 2450 East Third Street, Williamsport, PA, 17701
  • In 1989, a small group of entrepreneurs decided to establish a new community bank in Lycoming County. Many of the existing banks had merged and had grown to a size where personalized service had become only a slogan. These entrepreneurs saw, firsthand, the deteriorating service level of many of the banks in the area.
  • Horizon Federal Credit Union
  • 2849 Reach Road, Williamsport, PA, 17701
  • Horizon Federal Credit Union was founded in 1955 as a credit union for health care professions in the Williamsport area. Horizon’s objective is to be the most trusted financial institution in our community. Our staff will provide exceptional services, products and experiences for our members.
  • Local 1776 Federal Credit Union
  • 3031 Walton Road, Building A, Suite 310, Plymouth Meeting, PA, 19462
  • The mission of the United Food and Commercial Workers Local 1776 Federal Credit Union is to provide financial services and assistance for the members of the credit union in a friendly personal manner To assist the members of this Credit Union with all financial and borrowing needs at the lowest possible cost.
  • Philadelphia Mortgage Advisors, Inc.
  • 600 W. Germantown Pike, Suite 270, Plymouth Meeting, PA, 19462
  • Philadelphia Mortgage Advisors is an independent mortgage lender licensed in Pennsylvania, New Jersey, Delaware, Florida, Maryland and Virginia. At Philadelphia Mortgage Advisors we believe – and recent history has shown - that in the banking and mortgage industry, bigger is not always better. We are a group of mortgage professionals