USDA VS FHA in Hanceville, Cullman County, AL

In 2025, USDA loan limit in Hanceville, county of Cullman, AL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Hanceville, county of Cullman, 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 options in Hanceville, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Dunn Premier Inc
  • 424 East Vanderbilt Way, San Bernardino, CA, 92408
  • We do business differently, and we're proud of it! Dunn Premier is dedicated to serving commercial and residential clients nationwide. We get loans Dunn right with our attention to detail and by ensuring the process is transparent from start to finish. Clients experience our premier standard of care
  • Mortgage Central
  • 25940 Calle Ensenada, Moreno Valley, CA, 92551
  • "Moore is a licensed California mortgage broker that is an expert in residential mortgages. Her team of real estate agents and associates can assist you with the sale, buying and financing of almost any property in California. Darlena herself specializes in FHA, VA, Conventional and Private Money financing."
  • Alkana Investment Enterprise
  • 288 E Highland Ave, San Bernardino, CA, 92404
  • As private lenders and investors, we focus on both new and experienced investors. We actively engage in the deals you present, offering free analytical consultations to assess their potential. This ensures high-yielding investment opportunities for future investors. We invite you to share your deals and visions with us—our goal is to help you build
  • Alkana Investment Enterprise
  • 288 E Highland Ave, San Bernardino, CA, 92404
  • Unlocking opportunities in affordable housing.I specialize in Creative financing solutions that Empower investors and homeowners.By focusing on distressed properties,I provide 100% funding options,Transforming neighborhoods and fostering economic growth.My expertise includes tax optimization,Joint ventures,& collaborations,Ensuring clients maximize
  • Your Darling Lender
  • 10444 Timberlane Way, Santee, CA, 92071
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Casa Financial Services, Inc
  • 9560 Cuyamaca Street, Suite 101, Santee, CA, 92071
  • Casa Financial Services, Inc are the small, family owned, military family, guy next door, working man, LOCAL brokerage just down the street. No huge buildings, no board of directors calling the shots, no share holders screaming for profit margins, no big government bailouts to boost the bottom line, with combined 40+ years experience.
  • Mortgage Heroes
  • 873 Anchorage Place, Chula Vista, CA, 91914
  • Mortgage Heroes has been helping Active Military and Veterans for more than 15+ years. We help all military families get the answers they are looking for when it comes to housing. Whether its questions about using your VA or new listings in SD, Mortgage Heroes are here to support just as each military member has supported this country
  • Lend 18 Corp.
  • 2220 Otay Lakes Road, Suite 502-708, Chula Vista, CA, 91914
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Cornerstone Commercial Mortgage
  • 775 Esperanza Place, Chula Vista, CA, 91914
  • Cornerstone Commercial Mortgage specializes in commercial real estate finance. We act as mortgage consultants, not simply mortgage brokers, focusing on providing the appropriate financing solutions for each deal and each client. We manage every detail of the loan process from start to finish in a way that's effortless