USDA VS FHA in Hazel-Green, Madison County, AL

As of 2025, the USDA loan limit in Hazel-Green, located in the county of Madison, in the state of AL, is $285,000. For single-family homes, the FHA loan cap is $356,362.

With the Lendersa® USDA loan calculator, you can contrast today's top USDA and FHA rates. This tool helps identify what is required for qualification, such as income, credit, reserves, and essential documents. Use our comprehensive mortgage calculator to see side-by-side comparisons for USDA, FHA, Conforming, and VA programs, leading to informed decisions on what suits your financial needs in .

Explore loan offers from a list of 100 lenders

Loan limits and down payment requirements for 2025 in Hazel-Green, found in the county of Madison, AL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA loan choices in Hazel-Green, AL

Lendersa® aims to deliver the optimal USDA or FHA loan promptly and smoothly. Choose from three starting approaches that connect you with suitable lenders and USDA loan services.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AL

A USDA home loan is a government-backed loan offered by the Department of Agriculture, often referred to as the USDA rural development loan or mortgage. It is specifically for rural areas, offering advantages such as no required down payment, unlike the FHA loan that mandates at least a 3.5% down payment.

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



  • Lowery Financial LLC
  • 6116 North Tryon Street, Suite B, Charlotte, NC, 28213
  • 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.
  • Lane Lending Inc
  • 5736 North Tryon Street, Suite 201E, Charlotte, NC, 28213
  • Lane Lending Inc. is a mortgage brokerage based in Charlotte, NC. Licensed in NC and SC, we specialize in offering residential lending solutions for purchase and refinance transactions. With access to hundreds of lenders and programs, Lane Lending Inc. ensures you feel confident that you will always get the best rate.
  • Huntingtonized Federal Credit Union
  • 481 8th Avenue West, Huntington, WV, 25701
  • Huntingtonized Federal Credit Union has been open since 1939. It's the 24th largest credit union in West Virginia with assets totaling $43.09 Million and providing banking services to more than 5, 000 members as of March 2022. The credit union is a community-based financial institution.
  • Huntington C & O Railway Employees Federal Credit Union
  • 901 Sixth Avenue, Huntington, WV, 25701
  • Huntington C&O Railway Employees Federal Credit Union has been open since 1986. It's the 25th largest credit union in West Virginia with assets totaling $38.66 Million and providing banking services to more than 5, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services
  • Cabway Telco FCU
  • 1135 Sixth Avenue, Huntington, WV, 25701
  • Cabway Telco Federal Credit Union has been open since 1955. The credit union has assets totaling $5.33 Million and provides banking services to more than 400 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to communications
  • "Appalachian Power Employees FCU"
  • 1122 7th Avenue, Huntington, WV, 25701
  • Appalachian Power Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Appalachian Power EFCU will continue a sound yet progressive asset management strategy and provide new
  • Bay Credit Union
  • 601 N Highway 231, Panama City, FL, 32405
  • Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.
  • First National Bank Northwest Florida
  • 101 East 23rd Street, Panama City, FL, 32405
  • First National Bank Northwest Florida is the oldest local community bank in the area. The goal of the bank has always been to provide the best possible customer service. The same banking services as a regional bank but with a local family “feel.” Come be a part of our banking family.
  • Panhandle Credit Union
  • 2718 Martin Luther King Jr, Blvd Panama City, FL, 32405
  • Panhandle Educators FCU is a leading Florida Credit Union with an A+ rating by DepositAccounts.com, a subsidiary of LendingTree, and has a 5 Star rating by Bauer Financial. We offer a range of financial solutions including Personal Accounts, Business Accounts, Mortgages, Auto Loans, Personal Loans, and more
  • Oasis Mortgage
  • 3707 W. 23rd Street Suite A., Panama City, FL, 32405
  • Oasis Mortgage, where we specialize in residential mortgages. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants who will be assisting you every step of the way. At Oasis Mortgage, we are able to provide our clients with extremely competitive pricing.
  • Hoomano Financial
  • 7645 Delmar Blvd, 2nd Floor, Saint Louis, MO, 63130
  • "We’re a small private money lender dedicated to helping real estate investors, rehabbers and flippers in the greater St. Louis area. We’ve been serving investors with private loans and hard-money loans since 2011. We’ve made a choice to stay small and local in St. Louis so we can be the best resource possible for our real estate borrowers."
  • Citizens First Mortgage Lending LLC
  • 9320 -E Two Notch Road, Columbia, SC, 29223
  • Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience over 20 years in the industry. Providing the best Options for purchasing or refinancing your home loans We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing.