USDA Vs. FHA your options comparison in Highland-Lakes, Shelby County, AL
For 2026, 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 .
2026 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.
The Crew Lending team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
Salter Mortgage Group, or SMG Mortgage as many of you know us, has been serving customers with home loans since 2007 and enjoyed steady growth every year in one of the toughest markets in our lifetime. We believe this growth is due to a team who is committed to providing our clients with the highest quality financial services combined
153 Narrows Parkway, Suite 103, Birmingham, AL, 35242
Lends in Alabama
At Mortgage Xpress we take that responsibility very seriously. You can rely on our honesty and the strong desire to exceed your expectation and go beyond call of duty to deliver the results you are looking for. We offer Conventional loans, Adjustable rate loans (ARM), Jumbo loans, FHA, VA and USDA 100% loans, First time home buyer loans
204 Griffin Park Drive, Suite B, Birmingham, AL, 35242
Lends in Alabama
Reverse Mortgage Alabama has been exclusive to the Reverse Mortgage or HECM (Home Equity Conversion Mortgage) program in Birmingham and Huntsville, Alabama since 2007. I am honored to serve homeowners age 62 plus throughout the South and I am dedicated to helping you leverage the power of your home equity to achieve greater financial independence.
4500 Valleydale Road, Suite F, Birmingham, AL, 35242
Lends in Alabama
Gagliano Mortgage, Inc team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
3595 Grandview Parkway, Suite 425, Birmingham, AL, 35243
Lends in Alabama
Alostar Bank Of Commerce is a branch office of Alostar Bank Of Commerce. They provide the following services: Full Service Office Location and are located at 3595 Grandview Parkway, Suite 425 in Birmingham Alabama. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number
SouthPoint Bank was launched in October 2005 by former SouthTrust Corporation executives. Steve Smith, currently Chairman, President and Chief Executive Officer got the idea of opening a Bank when the former SouthTrust Bank was purchased by Charlotte-based Wachovia Corporation in June of 2004.
Our company’s goal is to help anyone who needs a second chance at financial freedom. Superior Credit Repair can help! We do credit repair, adjustments, improvement, debt consolidation, credit disputes and boosting. If you think you have no chance at getting a mortgage, then think again because Superior Credit Repair’s services are here.
1900 International Park Dr. Suite 50, Birmingham, AL, 35243
Lends in Alabama
At CSL, we think that this quote from inventor Thomas Edison illustrates our thinking on manufactured home lending: “The three great essentials to achieve anything worthwhile are, first, hard work; second, stick-to-itiveness; third, common sense.” It all comes down to our unique approach to Common Sense Lending.
