USDA Vs. FHA your options comparison in Highland-Lakes, Shelby County, AL
For 2025, the USDA loan cap in Highland-Lakes, Shelby county, AL is set at $285,000, whereas the FHA cap for a single-family dwelling is $356,362.
Utilize the Lendersa® USDA loan calculator to examine today’s top USDA and FHA rates, and determine the income, credit, reserves, and documents required for eligibility. With our state-of-the-art mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the most appropriate program for your financial context in .
2025 Loan Limits and Down Payment Requirements in Highland-Lakes, Shelby County, AL
Type of Loan
Loan Cap
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discovering USDA and FHA Loan Options in Highland-Lakes, AL
Lendersa® strives to swiftly and effortlessly secure the best USDA or FHA loan for you. Begin with any of these three options, each designed to connect you with matching lenders and USDA loan solutions.
The USDA home loan, backed by the government Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage, accessible exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage doesn't necessitate any down payment.
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