USDA VS FHA in Fort-Payne, DeKalb County, AL

In 2025, USDA loan limit in Fort-Payne, county of DeKalb, AL is $285,000 while FHA limit is $356,362 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 Fort-Payne, county of DeKalb, AL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Fort-Payne, 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?



  • Colorado Lending Solutions Inc
  • 10200 East Girard Avenue, Building B, Suite 230, Denver, CO, 80231
  • Colorado Lending Solutions' 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.
  • Trust Home Loans
  • 7995 E. Hampden Ave, Suite 204, Denver, CO, 80231
  • Trust Home Loans, LLC is a Colorado mortgage lender located in the Denver Metro Area. We specialize in residential home loans including Conventional, FHA, VA and USDA. We’re always working hard to stand out from our competition. We work with wholesale banks which allows us to offer our clients the most competitive rates and loan programs
  • 3-D Mortgage, LLC
  • 2493 Quinlan Gulch, Woodland Park, CO, 80863
  • At 3-D Mortgage we are committed to building long term relationships. We are dedicated to providing individual attention and service. We care not only about your current mortgage and financial needs, We also care about you, your future and your long term goals. We provide individual attention and service.
  • Skyridge Lending, LLC
  • 509 Scott Ave, Suite 154, Woodland Park, CO, 80863
  • Skyridge Lending is committed to helping you find the right mortgage for your needs. We offer a variety of products, including Conventional, FHA, VA, USDA and more. Currently lending in CO, TX, OK, CA, AK, and HI. Call us for a free assessment today!variety of products, including Conventional, FHA, VA
  • Community Mortgage Partners LLC
  • 7431 Park Meadows Drive, Lone Tree, CO, 80124
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • Mountain View Lending Specialists LLC
  • 10465 Park Meadows Drive, Suite 107, Lone Tree, CO, 80124
  • Mountain View Lending has over 25 years lending experience in the financial industry. In fact, our owner’s mortgage experience includes senior management for the mortgage securities division of a Wall Street based Fortune 100 Company. As a result we are uniquely positioned to provide excellent home loan products and rates.
  • Graham Financial
  • 9233 Park Meadows Drive, Suite 400, Lone Tree, CO, 80124
  • We have access to programs most banks cannot access with access to wholesale financing. Less cost and lower rates, gives homeowners access to more affordability. We can perform financing for those that are behind on their mortgage that need to catch up, all the way to the most qualified individuals
  • A Better Choice Mortgage
  • 10375 Park Meadows Drive, Suite 500, Lone Tree, CO, 80124
  • In 2001, A Better Choice Mortgage was established to provide Colorado homeowners a less expensive alternative for home financing needs. Shocked at the massive commissions and price gouging that was rampant in the industry, we knew a lower cost and fair alternative was essential. Since our inception,
  • Premier Home Loans
  • 8600 Park Meadows Dr, Suite 300A, Lone Tree, CO, 80124
  • Premier Home Loans are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • SCL Mortgage
  • 10375 Park Meadows Drive, Suite 120, Lone Tree, CO, 80124
  • SCL Mortgage has loan programs available for most everyone. We specialize in assisting people with unusual financing needs as well as those with great credit. We are truly a one-stop-shop for your all your residential mortgage and also We take great pride in our team and have the unique expertise and caring attitude to help you get your loan .
  • Colorado VA Home Loans
  • 4600 S Syracuse Street, 9th Floor, Denver, CO, 80237
  • Our mission is to provide anyone who is VA eligible and currently living in Colorado, or planning to relocate here, with the best VA mortgage loans possible. We possess over 20 years of VA mortgage lending experience and have helped hundreds of veterans and active duty personnel achieve their goal of home ownership.
  • Colorado Mortgage Holding
  • 8055 East Tufts Avenue, Suite 250, Denver, CO, 80237
  • Colorado Mortgage Holding We know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. With a variety of loan programs.