USDA and FHA Pro and Con in Fairfield, Jefferson County, AL

In 2024, USDA loan limit in Fairfield, county of Jefferson, 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

2024 loan limits and downpayment requirments in Fairfield, county of Jefferson, 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 Fairfield, 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?



  • American First Financial
  • 12223 Highland Avenue, Suite 601, Rancho Cucamonga, CA, 91739
  • "At American First Financial and Realty is a full service Mortgage and Real Estate Company. We have had the privilege to work with the families of our commuinties for over 20 years. Providing a variety of Real Estate and Mortgage related services. We work with first time home buyers, investors, and small business'."
  • Casa Blanca Capital Lending
  • 13702 Santa Lucia Ct, Rancho Cucamonga, CA, 91739
  • Casa Blanca Capital Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Loan Source 1 Funding, Inc.
  • 5157 Bering Ct., Rancho Cucamonga, CA, 91739
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is 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.
  • The Mortgage Pros Funding, Inc
  • 4199 Flat Rock Road, Suite 116, Riverside, CA, 92505
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is 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.
  • Certys Financial Inc.
  • 10705 Magnolia Ave, Riverside, CA, 92505
  • Certys Financial Inc (NMLS #1096493) is a mortgage company serving the states of California, Texas, and Pennsylvania. We use the latest technology such as electronic signing (E-Sign) and paperless processing to ensure minimum effort on your part and speedy processing on ours. Our regard for your financial well being won't allow us
  • Campbell Financial Services, Inc.
  • 4181 Flat Rock Drive, Suite 250, Riverside, CA, 92505
  • Since 1989 Campbell Financial Services has continued with one purpose in mind: To meet the needs of our clientele by providing a full array of lending options in an efficient, straight-forward manner. We know you’re busy and that your time is important, and we’re committed to being your lending expert!
  • Inland Capital Finance
  • 4097 Trail Creek Road, Riverside, CA, 92505
  • Inland Capital Finance is a Southern California based Wholesale Mortgage Brokerage. At ICF we understand that you are an individual and that every individual is different. Over the years we have had many different clients with varying situations from those with excellent credit scores to those rebuilding their credit scores.
  • pacific residential mortgage corp
  • 522 N Cleveland St, Oceanside, CA, 92054
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is 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.
  • Pacific Coast Home Mortgage & Real Estate Inc
  • 2424 Vista Way, Suite 105, Oceanside, CA, 92054
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Home Mortgage Experts, Inc
  • 2103 South El Camino Real, Suite 108, Oceanside, CA, 92054
  • Home Mortgage Experts is dedicated to guiding our borrowers throughout the mortgage process, sorting through the numerous mortgage options available and helping them decide which is best. We take pride in having low overhead which allows us to pass savings onto our customers resulting in low priced, low cost mortgages.
  • North Coast Financial, Inc.
  • 2424 Vista Way #202, Oceanside, CA, 92054
  • North Coast Financial, Inc. is a San Diego hard money lender (private money lender) with over 30 years of hard money loan experience. We specialize in fix and flip loans / rehab loans, land loans, hard money purchase loans, construction loans, cash outs, hard money refinances and other various bridge loans.
  • Wolf Real Estate & Loans
  • 13649 Glen Canyon Drive, Corona, CA, 92883
  • Wolf Real Estate & Loans is your digital resource for buying and selling homes in the Corona, Lake Elsinore, Wildomar, Murrieta, Temecula, CA area with real time updates of all properties for sale so you have direct access of everything you need to know including all current market statistics and listings.