USDA VS FHA in Hartselle, Morgan County, AL

As of 2026, the USDA loan limit within Hartselle, Morgan county of AL is set at $336,500, while the FHA cap for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's competitive USDA vs. FHA rates. This tool helps you identify the income, credit, reserves, and necessary documentation for eligibility. With our cutting-edge mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans to ascertain which is most suitable for your financial needs in .

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Loan limits and Down Payment Requirements for 2026 in Hartselle, Morgan, AL

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

Choosing USDA and FHA Loan Options in Hartselle, AL

Lendersa® strives to quickly provide you the optimal USDA or FHA loan without hassle. Initiate one of three methods that connect you with lenders suited to USDA loan options.

Lendersa USDA loan request and results

Explaining USDA Loans in AL

A USDA loan, assured by the US Department of Agriculture, also known as a USDA rural development loan or mortgage, is available only in rural settings. It differs from FHA loans which require at least a 3.5% down payment, as the USDA loan requires none.

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



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  • Bank of Madison
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  • We commit to treat each customer exactly as we want to be treated. We choose to preserve our history of perseverance, determination, hard work. We choose to respect our heritage of commerce and transport, of culture and gracious living, of fields of industry. We choose to build on that foundation with professionalism, technology.

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  • The Peoples Bank
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  • Farmers Bank & Trust Co
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  • New South Credit Union
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  • New South Credit Union is unique and distinct from any bank. Unlike banks that are in business to make profit, New South is a not-for-profit institution organized to promote thrift and provide credit to members. Yes, we offer savings and checking accounts, loans, and many other financial services that banks offer.

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  • Peoples Bank of the South
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  • ATHENS MORTGAGE RESOURCES, INC.
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  • Citizens National Bank TN
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  • The mission of Citizens National Bank is to provide a positive & distinctive banking environment by exceeding Our Clients'​ expectations with every interaction; serving Our Communities with an unwavering commitment, economically or otherwise, as a proud corporate citizen; ensuring Our People have the opportunity to grow personally & professionally.