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.
WESTconsin Credit Union is one of the region's strongest financial services providers. Our history takes us back to primarily serving the Menomonie area agricultural community, then operating as Menomonie Farmers Credit Union. We expanded in membership base over the next several years and merged with other small credit unions.
Our story begins in 1951 as Taylor County Co-op Credit Union. A financial cooperative set out to serve the members and employees of the Medford-Stetsonville Farmer’s Union. The newly chartered credit union was located on the second level of the old Farmer’s Union Co-op building on Whelen Ave (current location of the Medford Cooperative Tire & Auto
"Arkad Capital is the creation of three real estate entrepreneurs and
their constant pursuit of higher real estate investing performance. With
combined Main St. and Wall St. Knowledge, Arkad Capital brings great
value to its borrowers by offering highly competitive terms, industry
knowledge, and outside of the box lending."
We deliver the absolute best lending experience through knowledge, communication, and care. Our mission supports the growth and strength of our communities and provides a pathway to the dream of homeownership. Whether you are a new home buyer looking for a first time mortgage or needing to refinance your home mortgage.
Top Vine Mortgage Services was formed to ensure customer satisfaction is met. By partnering with the nation's top financial institutions, our distinctive approach to mortgage financing means we can virtually guarantee our clients receive the best rates and terms available. With years of experience and deep industry insights,
Hovnanian Enterprises, Inc., founded in 1959 by Kevork S. Hovnanian, is headquartered in Red Bank, New Jersey. The Company is one of the nation’s largest homebuilders with operations in Arizona, California, Delaware, Florida, Georgia, Illinois, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Virginia, etc..
Pathway Bank is a progressive and independent community bank with approximately $167M in assets. A full-service financial institution, proactively seek and deliver innovative, competitive products and services that exceed expectations and support the people and communities we serve.
UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Battle Creek State Bank prides itself on being an independent, locally owned bank serving the financial needs of Battle Creek and its surrounding area in Northeast Nebraska. We are dedicated to providing professional banking services. We treat people the way we would like to be treated, with complete honesty and confidentiality.
