USDA Vs. FHA Pro and Con comparison in Kimberly, Jefferson County, AL
In 2026, the USDA loan threshold in Kimberly, located in Jefferson county, AL, is $336,500, while for single-family homes, the FHA limit reaches $472,030.
Employ the Lendersa® USDA loan calculator to contrast today’s top USDA and FHA rates. This resource guides you in assessing the required income, credit score, reserves, and paperwork needed for eligibility. Through our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side-by-side, assisting you in determining which program aligns best with your financial needs in Alabama.
2026 Loan Limits and Down Payment Necessities in Kimberly, Jefferson County, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover Your USDA and FHA Loan Options in Kimberly, AL
The mission of Lendersa® is to provide you with the best USDA or FHA loan quickly and without difficulties. Select one of three pathways to connect with matching lenders and suitable USDA loan programs.
The USDA home loan, supported by the U.S. Department of Agriculture, also recognized as a USDA rural development loan or USDA mortgage, is available only in rural locations. It sets itself apart from FHA loans, which require a minimum down payment of 3.5%, because it demands no down payment, making it a highly attractive option for eligible buyers in these areas.
Founded in 1800, Washington Trust is the oldest community bank in the nation and one of the Northeast’s premier financial services companies. Washington Trust offers a full range of financial services, including commercial banking, mortgage banking, personal banking and wealth management and trust services.
The Mortgage Corner® of New England is a licensed mortgage broker in Massachusetts and Rhode Island offering a full selection of mortgage products represented by many national mortgage lenders. Our combined 60 years of mortgage experience assures you that we will guide you through each step of the mortgage process with ease.
In the last 100 years, Nebraska State Bank has gone from an ag bank serving farmers in Western Nebraska, to an FSA loan specialist serving ag operations nationwide.
And when you meet our lobby staff, you’ll find competent, friendly folks who take pride in knowing our customers, and take care of you like you’re our own.
In 1903 four brothers chartered Lincoln State Bank in Glenburn, ND. In 1935, upon request by several Hankinson, ND merchants, the Healy family moved the charter to Hankinson. The bank continued to serve Glenburn for a number of years through the operation of a paying and receiving station.
South Wind Financial Inc. Rhode Island branch provides Mortgage Broker Services to Rhode Island, Massachusetts, Connecticut, and Florida areas. We pride ourselves on ensuring that our customers are totally satisfied with our services and get the best loan possible. Picking the right mortgage firm can be challenging.
Best Financial Mortgage Services opened. She has over 18 years experience as a loan officer in the mortgage industry. She has worked for local lenders, mortgage brokers, and was a volume award winner at a national Fortune 1000 Mortgage Company. Her repeat client business is a testimony to her commitment to customer service.
Providence Commercial Capital is truly a one-of-a-kind company. We are a direct portfolio and correspondent lender originating commercial and investment loans. PCC is an alternative lender offering flexible programs which has, over the years, opened many doors for our clients who may not have been able to find suitable financing elsewhere.
EMCAP is dedicated to funding real estate investors throughout RI, MA, NH, ME and FL. EMCAP is a private lender (“hard money lender”) capable of offering investors (no owner occupants) flexible real estate financing programs and quick execution time frames that are unmatched by traditional lending sources
The First National Bank North has served local communities since 1902 and now serves several Minnesota Communities. At First National Bank North, we are invested in the growth and success of the Minnesota Communities we serve. As we continue to grow and provide the newest features to our customers, whether that be e-statements, mobile banking.
Millbury National Bank was founded in 1825, and through fiscal integrity and fortitude, the bank has been led by a committed Board of Directors for over 190 years, currently with several multi-generational Directors. Our focus is on serving small businesses within the Blackstone Valley, and maintaining our strong commitment to our customers.
