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

In 2025, 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

2025 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?



  • Lowell Firefighters Credit Union
  • 642 Chelmsford Street, Lowell, MA, 01851
  • The Lowell Firefighters Credit Union is a member owned and operated financial institution. Our mission is to educate our members and provide a reliable, secure, friendly financial environment, which features benefits and advantages from our financial services, in order to help members gain some measure of personal financial success
  • A M Mortgage Brokers
  • 132 S. Main Ave, Taylor, PA, 01851
  • AM Mortgage Brokers Inc, is a family run business, with strong ties to the local community. Our low overhead allows us to out price our competition. We guarantee to offer you better service and more affordable loan programs than the larger mortgage brokerages or banks. Our competitors’ high operating costs.
  • Cambridge Teacher's Fed CU
  • 20 Felton Street, Cambridge, MA, 02138
  • Cambridge Teachers’ Federal Credit Union has remained a strong, secure, and highly rated financial institution, since 1939 when it was founded by school employees. Our Credit Union is a non-profit organization, owned, and operated by its members, who elect a Board of Directors annually. Membership is the heart of the Credit Union.
  • Cambridge Savings Bank
  • 1374 Massachusetts Ave, Cambridge, MA, 02138
  • Cambridge Savings Bank is a full-service banking institution with over $5 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers & the communities we serve. One of the oldest & largest community banks in MA, CSB offers a full line of individual & business banking services.
  • Leader Bank Loan Center
  • 180 Massachussetts Ave, Arlington, MA, 02474
  • At Leader Bank we take a modern day approach to making dreams come true, all while helping the community we love. Start your journey with us today. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s rapid growth and customer-oriented solutions...
  • Leader Bank
  • 141 Massachusetts Avenue, Arlington, MA, 02474
  • Founded in 2002, Leader Bank is a Massachusetts-based entrepreneurial financial institution that approaches banking differently. The core tenets of Leader Bank include client services, exemplary products, and innovation to meet the needs of its clients. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s
  • Jadia Mortgage
  • 19 Broadway, 3rd Floor, Arlington, MA, 02474
  • Jadia Mortgage assists you with the easiest & fastest way to get a low cost home loan or refinance. We are mortgage broker, & we are not making & servicing the loan. You will really enjoy a fast, hassle-free, no-nonsense service through us that meets your specific requirements. We will show you in detail how you can save on your mortgage loan
  • Boardwalk
  • 361 Newbury Street, Fifth Floor, Boston, MA, 02115
  • Boardwalk is a private firm that offers liquidity to small business owners who may also seek transition of day-to-day management. Our goal is to partner with owners to build long-term value, one business at a time. Boardwalk looks for companies with a history of profitable growth and a loyal client base.
  • North Cambridge Co-operative Bank
  • 2360 Massachusetts Avenue, Cambridge, MA, 02140
  • The North Cambridge Co-operative Bank was chartered in 1912. We have operated continuously in this location since its inception. The bank’s primary mission has been to serve the banking needs of North Cambridge as well as the surrounding communities. We are proud of our Co-operative heritage and believe our financial strength demonstrates.
  • Vermont Federal Credit Union
  • 84 Pine Street, Burlington, VT, 05402
  • Vermont Federal Credit Union was founded in 1953 as the Burlington Postal Employees Credit Union. Just a short time later, the Credit Union was renamed to the U.S. Government Employees Credit Union of Chittenden County. Our connection to these roots remains strong as many government employees in Vermont are still loyal members.
  • NorthCountry Federal Credit Union
  • PO Box 64709, Burlington, VT, 05406
  • NorthCountry Federal Credit Union IN 1950, the employees of General Electric in Burlington, Vermont organized a credit union. The goal was to lend and borrow from one another at rates better than those offered by commercial banks. Over time, that little financial cooperative has grown into one of Vermont’s largest and most innovative credit unions.
  • Vermont Home Mortgage Group
  • 950 Shelburne Rd, South Burlington, VT, 05403
  • Vermont Home Mortgage Group is committed to helping you find the right mortgage product for your needs. Paul Cannizzaro brings 31 years of experience in mortgage lending in Vermont. As an award winning mortgage broker for Bank of Vermont, BancBoston Mortgage Corporation and Vermont Federal Bank.