USDA Loan Vs. FHA loan for Elba, AL 2026

As of 2026, the USDA loan limit for Elba, in Coffee county, AL, is set at $336,500. In comparison, the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the best available USDA and FHA rates today. It helps you identify the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA loans to assist you in deciding the best program for your financial scenario in Alabama.

Discover USDA and FHA Loan Options in Elba, AL

The objective of Lendersa® is to swiftly and effortlessly secure you the optimal USDA or FHA loan. Select from one of three pathways that connect you with matching lenders and the corresponding USDA loan programs.

Understanding USDA Loans in AL

The USDA home loan, provided through the U.S. Department of Agriculture and commonly known as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans have no down payment requirement.

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(812) 989-9358 Lender's profile and map Reviews Strategic Mortgage, LLC 1327 Broadway St, Henryville, IN, 47126 We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
(800) 780-4808 Lender's profile and map Reviews The Citizens Bank 114 West Main St, Morehead, KY, 40351 The Citizens Bank of Morehead, Kentucky was organized September 25, 1928; original organizers being H. Vanantwerp, E. E. Maggard, C. E. Dillon, Squire Hogge and Frank Havens. The Citizens Bank was opened for business on Railroad Street, now First Street; across from the old C&O Train Depot.
(606) 784-2201 Lender's profile and map Reviews Morehead Community Federal Credit Union 503 West Main Street, Morehead, KY, 40351 At Morehead Community Federal Credit Union our members are owners, joined by the belief that we are investing in each other. We offer full-service banking with the goal to help members build a better financial future & we’ve been doing that since 1978 Morehead Community Federal Credit Union is the premier credit union of the Rowan County commu
(606) 784-2131 Lender's profile and map Reviews Frontier Housing, Inc. 5445 Flemingsburg Rd, Morehead, KY, 40351 Frontier Housing was founded in 1974 by four churches, a holy cross brother, and a small group of volunteers led by our founder, Tom Carew. We were created to be a resource for eastern Kentuckians in need of housing opportunities. What began with a mission to repair or rebuild dilapidated, aged, and/or unsafe living conditions.
(479) 495-2236 Lender's profile and map Reviews Chambers Bank. 901 Main St, Danville, AR, 72833 Chambers Bank is a community-focused financial services company headquartered in Danville, Arkansas. Founded in 1930, Chambers Bank currently operates 24 branches throughout Arkansas.community-focused financial services company headquartered in Danville, Arkansas. Founded in 1930, Chambers Bank currently operates
(417) 256-3042 Lender's profile and map Reviews West Plains Savings and Loan Association 417 West Broadway Street, West Plains, MO, 65775 West Plains Savings & Loan was established in 1919. The Association was chartered as a Missouri Corporation & held as a Mutual Building & Loan which gives ownership to our borrowers & savings customers. Since those early days we have continued our mission of giving local people an institution to purchase property & invest savings with good returns.
(417) 255-2265 Lender's profile and map Reviews Community First Banking Company 1330 Southern Hills, West Plains, MO, 65775 Community First National Bank of West Plains opened its doors as a national bank on November 13, 1997 with over 45 local investors. Our bank has expanded to three locations across the Ozarks and now serves the communities of West Plains, MO in Howell County, Mountain Grove, MO in Wright County and Thayer, MO in Oregon County.
(417) 256-2147 Lender's profile and map Reviews West Plains Bank and Trust Company 11 Court Sq, West Plains, MO, 65775 West Plains Bank and Trust Company is a Bank with operations in two states. West Plains Bank and Trust Company offers numerous mortgage programs including conventional, non-owner occupied, VA, USDA and construction mortgages and West Plains Bank and Trust Company, based in West Plains, Mo., operates four full-service and two drive-through branches
(812) 293-3321 Lender's profile and map Reviews New Washington State Bank 402 E Main Street, New Washington, IN, 47162 New Washington State Bank opened on Main Street in New Washington, Indiana. The bank was founded by a group of ten prominent business leaders and farmers who felt New Washington and the surrounding farming communities would be better served with a bank of their own. From our humble beginning in 1908.
(903) 798-3918 Lender's profile and map Reviews Morris Sheppard Texarkana Federal Credit Union 419 W 4th Street, Texarkana, TX, 75501 Morris Sheppard Texarkana FCU will continue to uphold its fundamental responsibility to actively serve people within our field of membership, which consists of the employees of the City of Texarkana TX, City of Texarkana AR, Bowie County and their spouse, children, and grandchildren. We will continue to deliver a range of low cost products.
(903) 223-6404 Lender's profile and map Reviews FCI Federal Credit 2500 Leopard Drive, Texarkana, TX, 75501 FCI Federal Credit Union were granted a charter with the National Credit Union Administration. Our membership field included the employees and their immediate families of the Texarkana Federal Correctional Institution. This Credit Union is a not for profit financial cooperative that is owned by the people who use it and is governed.
(903) 792-8651 Lender's profile and map Reviews Domino Federal Credit Union 4702 S Lake Drive, Texarkana, TX, 75501 Domino Federal Credit Union was chartered on August 23, 1973. Employees of International Paper Mill in Domino, Texas worked together to establish this institution. In the beginning, Domino Federal Credit Union only offered Savings and Loans. It has since grown to offer Checking Accounts, IRAs, Share Certificates, Online Banking and more