USDA VS FHA in Guntersville, Marshall County, AL

In the year 2025, the USDA loan limit for Guntersville in Marshall county, AL, is set at $336,500. In contrast, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Assess the necessary income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the optimal program for your financial situation in .

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Loan Limits and Down Payment Requirements for 2025 in Guntersville, Marshall, AL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Programs in Guntersville, AL

The aim of Lendersa® is to secure you the best possible USDA or FHA loan quickly and without hassle. Choose from three methods to connect with matching lenders and USDA loan opportunities.

Results from Lendersa USDA loan request

Explaining USDA Loans in AL

A USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture, available only in rural neighborhoods. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans do not require a down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • River Valley AgCredit
  • 408 East Broadway, Mayfield, KY, 42066
  • River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We serve Western Kentucky as well as 12 counties in Tennessee with a total of 14 Service Centers conveniently located to serve you. We have more than $475 million in loans outstanding to more than 5, 000 members
  • i-bank Tennessee
  • 5050 Poplar Ave, Memphis, TN, 38157
  • At i-bank. A bank that is independent minded and not afraid to do things a little differently. A bank focused on customer service and the unique needs of each individual who banks with us. A bank that genuinely cares for our customers and strives to help each of them reach their goals and their own financial independence.
  • West Tennessee Credit Union
  • 13690 Highway 51 South, Suite 107, Atoka, TN, 38004
  • The West Tennessee Credit Union is a Not-for-Profit Mutual Benefit Financial Cooperative serving its members who share a common bond with high quality, friendly, fair, and courteous services while maintaining long-term financial stability and safeguarding the members' assets. We've proudly been serving members' needs since 1967!
  • Ecusta Credit Union
  • 2074 Asheville Highway, Brevard, NC, 28712
  • Ecusta Credit Union was founded in 1976 in order to provide the Olin Corporation employees with a safe, convenient place to save as well as borrow – a financial institution dedicated to their best interest. After several name changes, we are now known as Ecusta Credit Union, we offer our services to everyone who lives, works, worships
  • Carolina Financial Group
  • 100 Elks Club Rd, Brevard, NC, 28712
  • Bruce Roberts (CEO of Carofin and Carolina Financial Securities—Carofin’s parent company), and Peter Milhaupt (Chairman of Carolina Financial Securities). Their paths had crossed many times, both in finance and as friends, when in 1995 they became business partners in the formation of the Carolina Financial Securities (CFS).
  • Bank of Halls
  • 101 W. Main St., Halls, TN, 38040
  • At Bank of Halls, our highest priority is the health of our customers, employees, and communities. While we know there are rising concerns surrounding COVID-19, we are monitoring the situation closely with local healthcare experts, the Centers for Disease Control and Prevention (“CDC”), World Health Organization (“WHO”), and Tennessee Bankers.
  • Fairway Independent Mortgage
  • 2220 Highway 51 S, Hernando, MS, 38632
  • Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forwar
  • FAA Federal Credit Union
  • 3920 Whitebrook Drive, Memphis, TN, 38118
  • FAA Federal Credit Union is a not-for-profit, financial cooperative that exists to serve the employees within our various approved service employee groups. Our original charter was established on July 21, 1954, as the Department of Commerce Memphis Employees Federal Credit Union.
  • Crump Mortgage
  • 684 West Brookhaven Circle, Memphis, TN, 38117
  • Our team continues to service the mortgage needs of clients throughout Memphis and the Mid-South and has become the #1 ranked purchase loan lender in Memphis. As one of the few privately held and locally owned mortgage lenders, all decisions and funding are handled in-house enabling us to provide clients with superior service and lower rates.
  • AnMed Health Federal Credit Union
  • 706 East Greenville Street, Anderson, SC, 29621
  • AnMed Health FCU is a non-profit, member owned financial institution. Our goal is to provide the very best financial services in a personal and confidential manner, to meet your financial needs. Our goal is to maintain our credit union’s long term financial stability and to provide a variety of services.