USDA Vs. FHA your options comparison in Helena, Shelby County, AL
In the year 2026, within Helena, county of Shelby, in AL, the USDA loan limit amounts to $336,500. In contrast, the FHA loan limit is set at $472,030 for properties that are single-family homes.
Utilize the Lendersa® USDA loan calculator to gauge and contrast today's optimal USDA versus FHA rates, assessing the necessary income, credit, reserves, and documentation for qualification. Our premier mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, enabling you to determine the most appropriate program for your financial needs in .
Loan limits and downpayment requirements for 2026 in Helena, Shelby county, AL
Type of Loan
Loan Limit
Required Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Helena, AL
Lendersa® is dedicated to providing you with a top-tier USDA or FHA loan efficiently and without hassle. Choose one of the three initial steps that facilitate matching with lenders and USDA loan programs.
A USDA home loan is a government-backed loan through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, specifically available in rural locations. Unlike FHA loans, which require a minimum 3.5% down payment, a USDA mortgage requires none.
OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION is the continuation and outgrowth of the Seneca Building and Loan Association, which was chartered by the State of South Carolina in February 1924.In 1958, we changed our name to OCONEE SAVINGS AND LOAN ASSOCIATION when our first branch office was opened in Walhalla.
Established in 2000, Creative Mortgage Solutions offers loan assistance, financing and ReFinancing options, and advice from Licensed Mortgage Brokers in the state of Tennessee. Are you thinking about moving but don’t have the money to? By utilizing our loan services, you can always afford that dream home you’ve been looking at for months.
FSU Credit Union our members' financial well-being" is what we do every day. As a secure, not-for-profit financial cooperative, our true value comes from returning proceeds back to our member-owners in the form of competitive products and services. You'll also discover a customer-service experience that puts its members.
Florida First Capital is Florida's original statewide certified development company promoting economic development and job creation. Under the SBA 504 Loan Program, Florida First Capital works with private-sector lenders to provide eligible small business owners in Florida and Alabama and Georgia.
Our goal is to improve the financial lives of our members and the community we serve. We are inspired to deliver exceptional banking products and superior Member Service throughout East Tennessee. Our journey began in 1936, when a small group of employees at the Fulton Bellows Plant in Knoxville needed a safe place to deposit, save & borrow money.
First National Bank of Picayune was founded in September 1947 to serve the residents of Pearl River County. It is the only local bank headquartered in Picayune, Mississippi. In addition to the Main branch located on East Canal Street, the bank has three branches in Picayune, West Canal, North, and South branches. West Canal branch was opened in 196
POWER Mortgage is a division of Weststar Mortgage Corporation, a New Mexico company founded in 1983. Weststar is a direct lender that specializes in tailoring lending solutions that traditional lenders and banks consider outside the box. Weststar currently services over $2 Billion in mortgages, is a GNMA Issuer,
Planters Bank is a growing community bank with 12 offices in Western Kentucky & Clarksville, Tennessee. Headquartered in Hopkinsville, KY, Planters is a full-service bank with a wide array of both consumer & commercial lending and deposit services. A tradition of excellence in customer service is the reason you can Expect Great Things.
