USDA and FHA Pro and Con in Jacksonville, Calhoun County, AL
In 2025, the USDA loan threshold in Jacksonville, located in Calhoun county, AL is set at $336,500. For a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare current USDA and FHA rates, determining the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in for your financial situation.
2025 Loan Limits and Down Payment Requirements in Jacksonville, Calhoun, 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 Jacksonville, AL
Lendersa® is committed to securing the best USDA or FHA loan for you without delay. Start by selecting one of three options to align with lenders and explore USDA loan programs.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government's Department of Agriculture. It's specifically for rural areas. Significantly, unlike FHA loans that necessitate a minimum of a 3.5% down payment, USDA mortgage loans require no down payment at all.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
In 2012, after 15 years in the mortgage industry, Barb Bone stepped out to establish Safe Harbor Mortgage, a residential mortgage brokerage built upon three core values - professionalism, integrity, and a committment to personal service. In an industry often marked by companies chasing profits over the priorities of their customers
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Peach State Bank & Trust is the largest true community bank in Hall County. We have a seasoned management team and a strong board of directors who are not only dedicated to our customers but to this community. We offer competitive rates, a variety of accounts - both personal and business. We hope you will call us or stop by today
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As the communities and the needs of the residents in the area around us expanded, so did we"
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