USDA Vs. FHA Pro and Con comparison in Hanceville, Cullman County, AL
In 2026, the USDA loan limit in Hanceville, part of the county of Cullman, AL, stands at $336,500, whereas the FHA limit for a single-family dwelling is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the optimal USDA versus FHA rates available today, determining the income, credit, reserves, and documents necessary for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in Alabama best suits your financial needs.
2026 Loan Limits and Down Payment Requirements in Hanceville, Cullman, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Hanceville, AL
The goal of Lendersa® is to swiftly provide you with the most ideal USDA or FHA loan, free from complications. Choose one of three starting options that connect you to compatible lenders and suitable USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage requires none, making it a favorable option for eligible rural homebuyers.
GreenBridge Loans provides capital to business owners, startups, and real estate investors by using residential and commercial real estate as collateral. Unlike many business funders, GreenBridge provides a streamlined funding process with minimal requirements. We currently offer three types of Secured Business Loans geared to accommodate
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Bank of the Panhandle is a community bank. Since 1976 we have been serving the needs of Guymon and the surrounding panhandle region. You'll find our officers and employees efficient, knowledgeable and caring people who will listen to customers needs. Bank of the Panhandle is a strong, independent bank serving the needs of Guymon and the Panhandle.
Anchor D Bank has 5 offices located in the Oklahoma / Texas Panhandle. Anchor D Bank is a closely held, family owned bank. Constent, quality service is the focus of our organization. The ownership, and employees, are committed to remaining an independent bank with our focus on the communities and customers we serve.
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.
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Portico Mortgage Inc. offers a multitude of services and tailored advice to assist you in your business endeavors. We provide residential and investment programs. We offer fast, easy approval and customer-tailored loan products at the competitive rate. We assist new and existing customers with professional and thoughtful person services.
On February 28, 1962, the employees of the Yankton State Hospital organized and chartered the Yankton State Hospital Employees Federal Credit Union. This small branch was renamed to Services Center Federal Credit Union (FCU) and grew to three branch locations with over 7, 700 members and $70 million in assets.
