USDA Vs. FHA Pro and Con 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.
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