USDA Vs. FHA your options comparison in Gardendale, Jefferson County, AL
In 2026, the USDA loan cap in Gardendale, county of Jefferson, AL, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Use Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates available today. Determine necessary qualifications such as income, credit, reserves, and documents. The advanced mortgage calculator offers a side-by-side look at USDA, FHA, Conforming, and VA loans to help you select the most suitable program in for your individual financial situation.
2026 Loan Limits and Downpayment Requirements in Gardendale, Jefferson, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Choosing USDA and FHA Loan Options in Gardendale, AL
Lendersa® aims to quickly provide you with the best USDA or FHA loan without hassle. Select one of the three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage and is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgage loans require no down payment.
Woori America Bank, which is wholly-owned US subsidiary of Woori Bank, Korea, provides various fast-track banking services such as remittances, international trade finance and account opening services through established banking networks of Woori Bank, Korea over 1, 000 in domestic Korea and 35 overseas branches in London, Singapore, Hong Kong, Chi
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224 West 35th Street, Suite 1401, New York, NY, 10001
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