USDA Loan Vs. FHA loan pro & con Fairfield, Jefferson County, AL

For the year 2026, in Fairfield within Jefferson, AL, the USDA loan limit is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the best current rates between USDA and FHA. Determine the required income, credit, reserves, and documentation necessary for eligibility. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you to identify which program in fits your financial scenario best.

Loan Options: USDA and FHA in Fairfield, AL

The primary aim at Lendersa® is to provide you with the most suitable USDA or FHA loan quickly and with minimal effort. Choose from one of three initial steps to align with matching lenders and USDA loan programs.

Explaining USDA Loans in AL

A USDA home loan, backed by the U.S. Department of Agriculture — also known as a USDA rural development loan or USDA mortgage — is offered exclusively in rural areas. Unlike FHA loans that demand a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.

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(706) 860-4200 Lender's profile and map Reviews AUGUSTA MORTGAGE CO. 243 Davis Road, Augusta, GA, 30907 Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender
(877) 336-2093 Lender's profile and map Reviews Southern First Bank 100 Verdae Blvd, Suite 100, Greenville, SC, 29607 Our philosophy is that relationships come first. We get to know you and your goals so we can help you achieve them. Each account comes with a team of Bankers dedicated to providing you personalized service, and our easy-to-use technology gives you all the tools you need to manage your finances - whenever, wherever.
(864) 800-9251 Lender's profile and map Reviews Best Life Mortgage Advisor 33 Market Point Drive, Greenville, SC, 29607 At Best Life Mortgage we believe that eveyone can make a positive impact in the world. We are blessed and committed to donate 10% of our profits to liberate kids from human trafficking and invite you join us in the fight. We customize loans that are right for our clients helping them build a strong financial future.
(833) 939-6398 Lender's profile and map Reviews Next Mortgage LLC 1200 WOODRUFF ROAD, Suite A3, Greenville, SC, 29607 NextMortgage is what lending should look like. We aren’t just focused on getting the transaction done, but what everyone gains along the way. Products and services matter, but what matters most is our people. The people on our team, the people we do business with, and the people on all sides of the mortgage transaction
(864) 668-1439 Lender's profile and map Reviews Boykin Home Mortgage 128 Millport Circle, Suite 200, Greenville, SC, 29607 At Boykin Home Mortgage, we are committed to providing our clients with the highest level of outstanding home loan services and building long-lasting customer relationships. Our goal is to provide the best mortgage lending solutions every time. Whether you're looking to purchase a new home or refinance your existing mortgage, we've got answers.
(423) 581-8345 Lender's profile and map Reviews Lowland Credit Union 1216 E Main Street, Morristown, TN, 37814 The Lowland Credit Union began operation on June 12, 1953 at the Lowland site of the American Enka Company located in Lowland, Tennessee. Active employees of that site were eligible to join. Some years later, the field of membership was expanded to include retired employees and family relations of members.
(423) 586-1125 Lender's profile and map Reviews Colonial Loan Association 2645 W Andrew Johnson Hwy, Suite B, Morristown, TN, 37814 The Colonial Loan lending team is uniquely positioned to offer local decisions within 24 hours of application. Each lender is experienced and passionate about helping consumers with less than perfect credit secure personal loans.We consider each loan application individually and decisions are not made solely on credit scores.
(864) 223-9135 Lender's profile and map Reviews Emerald Credit Association FCU 2117 Kateway, Greenwood, SC, 29646 Emerald Credit Association FCU, you’re not just a customer but part-owner of your credit union.Member assets are pooled to provide loans & other financial services to fellow members.Credit unions are not-for-profit, which means that instead of dividends going to shareholders, profits are put back into the credit union to bring members lower fees.
(864) 942-1500 Lender's profile and map Reviews CountyBank 419 Main St, Greenwood, SC, 29646 Founded in 1933, CountyBank is a full service community financial institution whose family of companies includes CountyBank, CountyBank Mortgage, CountyBank Trust Services, Countybanc Insurance Services, Inc., Countybanc Investment Services, Inc., and Greenwood Capital Associates, LLC.
(864) 941-8900 Lender's profile and map Reviews Neighbors United FCU 218 Birchtree Drive, Greenwood, SC, 29649 Our mission is to offer superb and secure services to our members while assisting in achieving personal financial success. We strive to accomplish the credit union philosophy of “People Helping People” and to provide superior service resulting in member satisfaction. Our vision is to be our member’s financial institution.
(270) 298-3261 Lender's profile and map Reviews Commonwealth Community Bank, Inc. 830 South Main Street, Hartford, KY, 42347 Commonwealth Community Bank Inc of Hartford of Kentucky operates as a financial cooperative. The Bank provides financial solutions such as loans, investment, savings, credit and debit cards, online banking, and other related services. Commonwealth Community Bank Inc serves communities in the State of Kentucky.
(985) 643-1237 Lender's profile and map Reviews St Tammany Federal Credit Union 550 Pontchartrain Drive3, Slidell, LA, 70458 St. Tammany Federal Credit Union excels in designing the YES Experience that promotes owner's economic responsibility & growth.St. Tammany Federal Credit Union strives to remain the safe financial home base for all of our current & future owners.We're saying YES to building relationships & lending a hand to guide our owners to financial well-being.