USDA and FHA Pro and Con 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.

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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?



  • 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.
  • Hereford Texas Federal Credit Union
  • 330 Schley Avenue, Hereford, TX, 79045
  • Hereford Texas Federal Credit Union has been open since 1936. The credit union has assets totaling $71.51 Million and provides banking services to more than 8, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a memb
  • First National Bank of Hereford
  • 301 W 3rd Street, Hereford, TX, 79045
  • At First National Bank of Hereford we strive to meet and exceed your banking needs! Our fundamental philosophy remains the same: Old Values and New Visions Our helpful, friendly and professional staff will provide excellent service and are always ready to address any questions or concerns you may have pertaining to your banking needs.
  • My Community Credit Union
  • 600 West Louisiana, Midland, TX, 79701
  • My Community Credit Union was federally charted on February 13, 1952, when a local man visited a bank to request a loan for the purchase of a home and was denied. A small group of co-workers for the Atlantic Refining Company (ARCO) joined together to finance this loan so that he could purchase his home.
  • Community National Bank (Midland, Texas)
  • 500 W. Illinois Ave., Midland, TX, 79701
  • Community National Bank, established in 1984, continues to expand upon our original mission to provide a strong, locally owned, community bank. CNB distinguishes ourselves through a focused dedication to the success of the the DFW, Midland, Odessa, & Stanton communities by providing outstanding customer experiences to those we are honored to serve.
  • 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
  • Northfield Savings Bank
  • 210 College Street, Suite 201, Burlington, VT, 05401
  • Northfield Savings Bank is a local, community bank that provides full-service banking to individuals, families and businesses – from Home Mortgages, Home Equity Loans, Business Loans to Checking Accounts and Online Banking. With 13 branches across Central and Northwest Vermont, we are proud to be the largest bank headquartered in Vermont
  • Opportunities Credit Union
  • 25 Winooski Falls Way, Burlington, VT, 05401
  • Opportunities Credit Union is Vermont’s only community development credit union. Uniquely committed to Vermonters of low wealth, Opportunities’ mission is to build wealth, community, and opportunity through a fair and affordable financial system. Our primary market is Vermont’s 90, 000 low-income households.