USDA Vs. FHA Pro and Con comparison in Helena, Shelby County, AL
In 2025, USDA loan limit in Helena, county of Shelby, 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.
2025 loan limits and downpayment requirments in Helena, county of Shelby, 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 Helena, 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.
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?
Bulldog Federal Credit Union was organized on July 16, 1968, by a group of Mack Truck Union Local 171 employees to provide their coworkers with an economical alternative to local finance companies that charged high interest rates & imposed stiff penalties for late payments. Volunteers, board of directors were responsible for day-to-day operations.
19638 Leitersburg Pike, Suite 100, Hagerstown, MD, 21742
The Credit Union was established in 1949 by fifty Washington County educators. For many years, volunteers operated the Credit Union from their homes. In 1979, the Credit Union opened its first dedicated office space in a trailer on the bus lot of the Board of Education. The Williamsport branch opened in April 2005.
MSUFCU was established 84 years ago to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security.
2490 Walton Boulevard, Suite 101, Rochester, MI, 48309
Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it’s a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our clients’ convenience, was essential to our many years of success.
Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.
The Mortgage Gallery Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
One Community Bank is a $1.6 billion community bank in south central Wisconsin. The bank, which was founded in 1976, focuses on three core priorities: serving clients, supporting colleagues and investing in local communities. It has 10 offices in the communities of Oregon, McFarland, Stoughton, Waunakee, Sun Prairie, Middleton, Adams, Oxford
Nations Funding is a fully diversified Mortgage Lender. From First, Second and Equity Loans to Commercial and Small Business Loans. Mortgages are our only business. We pride ourselves on being small enough to offer each client personal attention yet large enough to finance significant lending transactions.
