USDA Vs. FHA your options comparison in Harvest, Madison County, AL

In 2025, USDA loan limit in Harvest, county of Madison, 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.

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2025 loan limits and downpayment requirments in Harvest, county of Madison, 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 Harvest, 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?



  • Citizens Bank, National Association
  • 4201 S Treadaway Blvd, Abilene, TX, 79602
  • Citizens Bank Has Served The Financial Needs Of Customers In The Big Country And Rolling Plains Regions Of Texas For Almost 100 Years. We Are Locally Owned And Committed To Building Strong And Enduring Relationships With Our Customers. We Offer A True, Full Service Experience That Can Serve You During All Stages Of Life And Business.
  • Lone Star Ag Credit
  • 4449 Loop 322, Abilene, TX, 79602
  • Lone Star Ag Credit, a rural lending cooperative headquartered in Fort Worth, Texas, is one of the most experienced rural real estate and agricultural lenders in the state. We operate 16 offices covering 48 counties throughout north and central Texas and have $1.7 billion in assets.
  • Tier One Mortgage (New York)
  • 1120 Crosspointe Lane, Suite 4B, Webster, NY, 14580
  • Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal mortgag
  • Preferred Mortgage Corporation of New York
  • 1674 Empire Blvd, Suite 200, Garden City, NY, 14580
  • We’re a full service mortgage broker based in Rochester, NY specializing in all residential loan types including FHA, VA, USDA, Conventional, & Jumbo loan programs.We serve all of New York State including cities such as Buffalo, Syracuse, Albany, Binghamton & New York City.Whether you’re buying an existing home,building a new home, or refinancing
  • Tier One Mortgage, LLC
  • 1120 Crosspointe Lane, Suite 4B, Webster, NY, 14580
  • Our mortgage team members will give you the individual attention you deserve & treat you with the respect due a valued customer.We understand you're making a commitment in purchasing a home, refinancing a mortgage or tapping into your home equity.So we make a promise to you:we will help you qualify, apply and be approved for the ideal mortgage loan
  • First State Bank of the Florida Keys
  • 1201 Simonton Street, Key West, FL, 33040
  • We’ve always been about community. First State Bank has a long history of serving, reaching out, and connecting in the Florida Keys. We started out in 1955, with a single Key West branch and a handful of employees. As the Keys community grew, so did the Bank, steadily adding more services and branches.
  • Southernmost Federal Credit Union
  • 1004 Kennedy Dr, Key West, FL, 33040
  • You become an owner of the credit union with your membership. Because of the cooperative effort of all members, your credit union offers several advantages over other costly financial institutions. Your membership is effective as long as you maintain a $5 minimum Share Account balance.
  • Monroe County Teachers Federal Credit Union
  • 1442 Kennedy Drive, Key West, FL, 33040
  • The Monroe County Teachers Federal Credit Union is a not-for-profit, cooperative financial institution serving its members since 1950 with a wide range of services to meet all their financial needs. As a member, you actually are a owner of the credit union. Once you join the credit union, you are always a member.
  • Keys Federal Credit Union
  • 3022 N. Roosevelt Blvd, Key West, FL, 33040
  • In 1940, a group of naval station employees received a federal charter and founded NAVSTA Federal Employees Credit Union. Our founders believed if they pooled their money together, they could provide more affordable financial services for everyone. They had a vision, and over 80 years later their vision has become Keys Federal Credit Union!