USDA and FHA Pro and Con in Gadsden, Etowah County, AL
In 2026, the USDA loan limit for Gadsden, within Etowah county in AL, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates, helping determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side-by-side to decide which program in fits best with your financial needs.
Loan Limits and Down Payment Needs for 2026 in Gadsden, Etowah County, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Gadsden, AL
Lendersa® is dedicated to connecting you with the best USDA or FHA loan efficiently. Simply select one of three starting options that align with USDA loan programs.
The USDA home loan, guaranteed by the government’s Department of Agriculture, also known as the USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA loans require no down payment.
Valley Bank’s primary mission has been to serve the banking needs of Roswell as well as Chaves County, and this continues to be the primary driving force behind the bank today. Valley Bank is an independent bank and fully intends to remain independent. The bank has built a reputation of conservative soundness that has served it well
Ultima Bank Minnesota originated as Farmers State Bank of Winger and was founded in 1904 in Winger, Minnesota, a small farming community in the northwest corner of the state. As typical of such communities, Winger's population peaked in the 1940's and then began to drop from about 400 to a little over 200 people today.
"Our team has built a strong reputation as an outstanding local mortgage company, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending"
Northstar Mortgage Group LLC specializes in matching home buyers with the right mortgages. We’re committed to providing the highest quality service available anywhere. Northstar Mortgage Group LLC is Mortgage Broker so we can custom fit your needs! When you get pre-approved through Northstar Mortgage Group.
Fort Davis State Bank was established in 1911 and is proud to be home owned and operated. Our two branches in Alpine and Presidio were added in 1997. Our mission, as the only home owned and operated bank in the area is to grow while profitably providing superior financial services to our customers.
LaMoure Credit Union has been open since 1940. It's the 19th largest credit union in North Dakota with assets totaling $33.58 Million and providing banking services to more than 1, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans
At Maine Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
Select Realty Capital offers financing options for all stages of real estate investment. Whether you are looking to start a new build project, fix and flip a house, or buy and hold rental properties - we have options to help with your investing needs. Our firm specializes in short term loans to real estate investors and developers.
cPort Credit Union has evolved throughout the years since its 1931 inception. What began as the Federal Employees Credit Union of Maine and only the third CU in the state of Maine has come to mean so much more to the community. We have been fortunate to have sustained strong member growth throughout the years and have expanded our company.
Evergreen Credit Union is one of the largest credit unions in Maine, with $400 million in assets and serving over 25, 000 members throughout Southern Maine. We proudly serve all the banking needs of individuals, families and local businesses. As a local credit union, we get to really know our members
Vision Mortgage was established in 2015 by long-time Portland resident Tim Fredheim, a highly-respected, widely-recognized expert in the field. His qualifications are especially impressive because they combine academic excellence with an extensive array of hands-on experience and We’ve created a streamline process.
Maine has a lot of mortgage lenders, and I know you have options in your home loan shopping process. I can provide a level of customer service and home loan options that most traditional loan officers or even your bank can not make available. Competitive Maine mortgage rates, personal attention, a variety of mortgage loan options.
