USDA and FHA Pro and Con in Fayette, Fayette County, AL

In 2025, USDA loan limit in Fayette, county of Fayette, 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.

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2025 loan limits and downpayment requirments in Fayette, county of Fayette, 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 Fayette, 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.

  1. The ultimate request with USDA/FHA loan optimization
  2. Find USDA and FHA rates & terms before anything else<
  3. Search the largest database of USDA loans lenders
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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?




  • Charles River Bank
  • 70 Main Street, Medway, MA, 02053
  • Founded in 1915, Charles River Bank began providing opportunities for people in our community to enjoy homeownership, achieve financial goals, & look to the Bank as a constant resource for improving the lives of their family, their business, & the community that we share. Charles River Bank is a successful, independent co-operative chartered bank.

  • New Horizon Mortgage Co. Inc.
  • 165 Main St, Suite109, Medway, MA, 02053
  • New Horizon Mortgage Company is a Medway, MA based mortgage brokerage company that is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in the region. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.

  • TruStar Federal Credit Union
  • 601 Fourth Street, International Falls, MN, 56649
  • TruStar was founded in 1960 by paper mill employees in International Falls who were looking for a way to secure good rates on loans and competitive dividends on their savings. They each tossed five dollars in a hat to form the credit union’s first assets! We have grown significantly since our early days and have been recognized by industry peers.

  • Somerset Federal Credit Union
  • 740 County Street, Somerset, MA, 02726
  • Our goal is to provide our members with the financial services they need along with the latest technology and the personal attention they deserve. SFCU serves people who live or work in Bristol County, Massachusetts, or if a member of your immediate family lives or works in Bristol County, Massachusetts.

  • Southwest Federal Credit Union
  • 8111 Harper Road NE, Albuquerque, NM, 87111
  • Southwest Federal Credit Union began as The Albuquerque Gas and Electric Company Employees Federal Credit in December 1935. Ten employees came together in the midst of the Great Depression to form their own financial cooperative. The new Credit Union would meet their financial needs and those of their fellow employees and their families.

  • Sandia Laboratory Federal Credit Union
  • 3707 Juan Tabo Blvd NE, Albuquerque, NM, 87111
  • Sandia Laboratory Federal Credit Union is one of the top-rated credit unions in the country, and was named as the Best-in-State Credit Union for New Mexico by Forbes in 2019 and 2020. We’re member-owned and not-for-profit, working for our members’ best interests. SLFCU is New Mexico’s largest credit union by asset size.

  • Veterans Loan Service Center DBA Global Funding LLC
  • 3240 B Juan Tabo Northeast, Suite B-3, Albuquerque, NM, 87111
  • Global Funding are New Mexicans. Our professionals have gotten to know people from all over the state and have helped them get financing in every county, from San Juan to Lea and from Hidalgo to Union and also we specialize in VA Loans, USDA, FHA, and Conventional, we have lenders that can do unique loans

  • Enright McFall Mortgage Group LLC
  • 9500 Montgomery Blvd. NE, Suite 112, Albuquerque, NM, 87111
  • 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.

  • Elite Financial Mortgage
  • 5850 Eubank Blvd NE, Albuquerque, NM, 87111
  • Elite Financial Mortgage believes that every New Mexico consumer deserves to be considered as individuals, not as file numbers. Elite Financial Mortgage and its loan officers and processors are committed to being accessible, attentive and caring. Elite Financial Mortgage is dedicated to enabling New Mexico mortgage borrowers

  • True Lending New Mexico
  • 9400 Holly Ave, Albuquerque, NM, 87122
  • We are a local, woman owned mortgage broker company dedicated to helping New Mexico families with all your financial needs! True Lending New Mexico helping New Mexico with home purchases, refinancing needs, construction loans and business equipment loans, Offering Conventional, FHA, VA, Jumbo and Non-QM funding.

  • Main Street Bank
  • 81 Granger Boulevard, Marlborough, MA, 01752
  • Main Street Bank is a locally run, independent mutual savings institution serving the Metrowest and northern Middlesex communities of Massachusetts. We believe in working together, so we can do more. We are united under a culture that strives every day to contribute to our communities by providing customer-focused, innovative products
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