USDA VS FHA in Hoover, Jefferson County, AL

In 2026, the USDA loan limit for Hoover in Jefferson county, AL is $336,500, whereas the FHA limit for a single-family home is $472,030.

Swivel between today's best USDA and FHA rates using the Lendersa® USDA loan calculator. Assess income, credit, reserves, and documentation needed to qualify. Our advanced calculator allows you to compare USDA, FHA, Conforming, and VA side by side, guiding you to the ideal program for your financial scenario in .

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2026 Loan Limits and Downpayment Requirements in Hoover, County of Jefferson, AL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Hoover, AL

Lendersa®'s aim is to enable quick and seamless access to optimal USDA or FHA loans. Start with any of three methods to match with lenders and USDA loan schemes.

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Understanding the USDA Loan in AL

A USDA home loan, insured by the Department of Agriculture, commonly called a USDA rural development loan or mortgage, is available solely in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not necessitate any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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