USDA and FHA Pro and Con in Fultondale, Jefferson County, AL
In 2026, the USDA loan limit in Fultondale, located in the county of Jefferson, AL, is $336,500, whereas the FHA limit for a single-family home is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today. Determine what income, credit, reserves, and documents are necessary to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA loan options side by side, assisting you in choosing the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Fultondale, Jefferson, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Fultondale, AL
Lendersa® is committed to securing the best possible USDA or FHA loan for you, efficiently and without hassle. Select one of the three starting options to connect with suitable lenders and USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is secured by the Department of Agriculture. Available in rural areas, this loan does not require a down payment, unlike FHA loans that require a minimum of 3.5% down payment.
Western State Bank is an employee-owned community Bank, with assets totaling approximately $1 billion. The Bank offers superior full-Banking services, investments and mortgage financing to personal and business customers, as well as nationwide equipment financing services. Western State Bank’s locations are in the North Dakota communities.
The 1950s were lean years in Maine. Seeing potentially no means of a savings plan within daily work boundaries, realizing finance companies were charging such high-interest rates, and knowing that Credit Unions were paying more on shares, the team of Gus Fortin, Henry Moses, and William Lynch approached Mr. Parsons of the Keyes Fibre Company.
New Dimensions FCU began in 1956 and was known then as Notre Dame Waterville Federal Credit Union. Our mission was simple – to provide excellent financial services to members of Notre Dame Church in Waterville. Our charter was comprised of members of the parish of Notre Dame Church and on August 27, 1956.
First State Bank of Newcastle was founded during the depression in 1924, a time when most banks were being forced to close their doors. Faith in the integrity of the men who started the bank was responsible for the bank’s growth only a few months after the collapse of several Weston County banking institutions.
First State Bank of Harvey has been growing and changing with the community. Originally chartered in 1913 at Silva, North Dakota as the First State Bank of Silva with $10,000 in capital, the bank has grown to a $60 million institution with a branch in Anamoose, ND. Founded by H. Thorsen, A.O. Refling and H.L. Thorsen.
Our roots are planted right here in the Red River Valley, which makes it especially important for us to focus on this area’s ongoing financial health and continued growth. That’s why we spend our time and resources supporting the communities we serve here in North Dakota and Minnesota. This is our home too, and it has been for more than a century.
The mission of North Star Community Credit Union is to deliver financial solutions, one person at a time. North Star Community Credit Union is proud of its ever expanding member reach and currently provides financial service at 12 locations throughout the state of North Dakota. North Star Community Credit Union Full service financial credit union.
Converse County Bank is able to offer the leading-edge financial products and services of today’s very busy world, we’re still local. Still providing safe harbor. Still committed to fulfilling the dreams of those we serve. We’re here when you need us, with our extended customer service hours.
Franklin-Somerset Federal Credit Union’s humble beginnings began as Bass Shoe Federal Credit Union with 8 members – six women & two men, each with a share of $5.00, on 1962. Since then, our charter has changed a bit & our field of membership grown. In the seventies, Bass Shoe Federal Credit Union became Wilton Community, then Franklin County FCU.
Every customer is treated with integrity and respect. When you walk through the doors of any of our 11 Maine branches, you can count on a highly personalized banking experience and an honest, forthright team of employees that are genuinely interested in meeting your individual needs.
Security First Bank of North Dakota is a locally operated, family owned community bank. We have four main banking offices, which are located in Center, New Salem, Mandan and Bismarck. We also have a part time office in Almont. Security First Bank of North Dakota was founded by local, Morton County folks in New Salem.
Since 1940 the Commercial Bank of Mott has been a part of this community and has grown with the needs of our customers with full array of traditional banking services including leading edge technology and friendly service. There’s something special about banking with the Commercial Bank of Mott.
