USDA Loan Vs. FHA loan for Fairfield, AL [Jefferson County ]

For the year 2025, 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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(251) 644-6188 Lender's profile and map Reviews SUNSET MORTGAGE 9086 Merritt Lane, Daphne, AL, 36526 The Sunset by Midtown Mortgage Broker’s Mission is to offer the best in client service. We consistently deliver excellence in the competitive marketplace for mortgages: To be the first choice for clients interested in FHA, VA, USDA, Conventional Lending Programs & Reverse Mortgages.
(601) 948-8191 Lender's profile and map Reviews Mississippi Public Employees Credit Union 613 S West Street, Jackson, MS, 39201 We were established in 1966 by a few state employees to serve state employees. Our mission statement is that "We provide quality services and help members attain financial success". Our membership consists of City, State, Federal employees who are employed or funded by a governmental entity, their immediate families.
(601) 355-6363 Lender's profile and map Reviews Eagle Express Federal Credit Union 567 S State Street, Jackson, MS, 39201 The purpose of Eagle Express Federal Credit Union is to promote thrift among its members by affording them an opportunity to accumulate their savings, and to create for them a source of credit for provident or productive purposes. This Credit Union is federally insured by the National Credit Union Administration.
(800) 243-2524 Lender's profile and map Reviews Trustmark Mortgage Services 401 N West St, Jackson, MS, 39201 Founded in 1889, Trustmark is one of the South’s strongest and most respected financial institutions, comprised of more than 2, 800 professionals serving customers in over 190 locations throughout Alabama, Florida, Mississippi, Tennessee and Texas. We offer a comprehensive range of personal and business banking services - from personal banking.
(251) 473-4712 Lender's profile and map Reviews Mobile Educators Credit Union 3150 Airport Blvd, Mobile, AL, 36606 Mobile Educators Credit Union was established in 1954 to provide financial services to faculty & staff of the Mobile County School System. Since 1954 we have grown to more than 9,000 members & expanded our field of membership to include anyone who lives, works, or attends school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington Counties.
(601) 583-3242 Lender's profile and map Reviews Pine Belt Federal Credit Union 1808 Evelyn Gandy Parkway, Hattiesburg, MS, 39401 Pine Belt Federal Credit Union is a members-focused institution located in Hattiesburg & New Augusta, MS, dedicated to helping you save money and meet your financial goals. Applications for loans and membership can be filled out online quickly and easily! We offer savings accounts, loans, no-cost notary services, 24-hour ATM access, and much more!
(601) 450-4114 Lender's profile and map Reviews CenturyFirst Federal Credit Union 3318 Hardy Street, Hattiesburg, MS, 39401 CenturyFirst Federal Credit Union is a full service not-for-profit financial institution that is owned by the members it serves. We are dedicated to providing a wide variety of services, all with competitive rates and fees for the members we serve. We have a large group of sponsors that includes not only The University of Southern Mississippi.
(601) 408-6466 Lender's profile and map Reviews Titan Home Loans LLC 618 Campbell Loop, Suite 10, Hattiesburg, MS, 39401 We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
(850) 526-4470 Lender's profile and map Reviews Jackson County Teachers Credit Union 4466 Clinton St, Marianna, FL, 32446 Jackson County Teachers Credit Union is a financial co-operative that exists for the benefit of its members & offers the most needed financial services at the most reasonable rates & terms possible to maintain the credit union's long term financial stability. The board & staff pledge to treat members equally with respect to their financial needs.
(800) 527-0647 Lender's profile and map Reviews Farm Credit of Northwest Florida 5052 Highway 90 East, Marianna, FL, 32446 Farm Credit of Northwest Florida is part of the national Farm Credit System which was created in 1916 to provide a reliable source of credit for the nation’s farmers and ranchers. Today, the System provides more than one-third of the credit needed by those who live and work in rural America.
(601) 264-1467 Lender's profile and map Reviews Grand Bank 204 Westover Drive, Hattiesburg, MS, 39402 At Grand Bank we put people first. We have been providing our customers with superior and flexible service with a hometown approach since 1968. Our mission is to serve our communities and customers so that families grow stronger, businesses thrive, and communities flourish. Grand Bank is both a great place to save for our customers.
(850) 830-3589 Lender's profile and map Reviews Certainty Home Loans LLC 1354 E. JOHN SIMS PARKWAY, Niceville, FL, 32578 Certainty Home Loans has been helping homebuyers for over 20 years, with a focus on making homeownership a reality by putting people first and investing in the right technology and Our core belief is that our Certainty family is our #1 asset. We never want to lose sight of the importance of our team members or of our values: integrity, quality.