USDA Vs. FHA your options comparison in Highland-Lakes, Shelby County, AL
In 2025, USDA loan limit in Highland-Lakes, county of Shelby, AL is $285,000 while FHA limit is $356,362 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 Highland-Lakes, county of Shelby, AL
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA loan options in Highland-Lakes, 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?
Fergus Federal Credit Union is locally owned and operated. That means all decisions are made locally, by those who live and work in our community. Decisions can be made more quickly and on a more personal basis. It also means that we're better able to keep in touch with you and your needs.
Cedar Woods Financial, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family
Sky Federal Credit Union is a full-service community chartered, not-for-profit financial cooperative. Our charter allows us to serve anyone who lives, works or worships in the rural district of Beaverhead, Broadwater, Carbon, Cascade, Deer Lodge, Gallatin, Golden Valley, Granite, Jefferson, Lake, Lewis and Clark, Madison, Meagher, Mineral, Missoula
The history of our bank traces back to the first financial institution in Big Timber. In 1890 William Shanks and Thomas Lee placed some private funds in an office safe and for a while did a loan business. The following year Shanks helped organize and became Vice President of Big Timber National Bank.
Valued Merchant Services has a history of providing merchants and small businesses with electronic payment services at competitive rates. Our promise is simple. if we can not beat your current rates & fees we will give you $500. All we need is a copy of a recent processing statement from your current provider.
The Bank of Commerce. We are looking for enthusiastic, customer service oriented individuals to join our workforce. The Bank of Commerce offers many opportunities for personal growth and professional advancement. Apply Online today to join our team at the best bank in Southeastern Idaho and Western Montana
East Idaho Credit Union was founded in 1935 under the name Idaho Falls U.S. Government Employees Federal Credit Union. In 1963, the name was changed to East Idaho Federal Credit Union and in 1998 became East Idaho Credit Union. Today, it remains one of the oldest Credit Unions in Eastern Idaho. Of the sixteen credit unions started in 1935,
Rebound Financial is locally owned & operated in Idaho Falls, ID. We believe in local, personal service because not every customers situation is the same. We truly look at each application on a case by case basis working with bad credit since 2008. WE SPECIALIZE IN CUSTOMIZING A LOAN FOR EACH PERSON based on what they are wanting to accomplish.
Westmark Credit Union has been helping the people of Idaho grow financially since 1954. We are a full service financial cooperative, entirely owned by our members and committed to the development of their future. We now have 13 convenient locations throughout Idaho to better serve you.
