USDA Vs. FHA your options comparison in Kimberly, Jefferson County, AL

In 2025, USDA loan limit in Kimberly, county of Jefferson, AL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Kimberly, county of Jefferson, AL

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

USDA and FHA loan options in Kimberly, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Legacy Capital Funding
  • 7007 Washington Ave, Suite 301, Whittier, CA, 90602
  • Legacy Capital Funding is proud to be a mortgage broker serving residential clients in the Los Angeles County area. Based in Whittier, we are a small business that provides the level of customer service only an experienced team of professionals can. From our community-focused, educational approach to home loans to our commitment to our clients.
  • Semper Financial
  • 6067 Belle Avenue, Buena Park, CA, 90620
  • At Semper Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Nationwide Home Loans
  • 8152 Painter Avenue, Suite 200, Whittier, CA, 90602
  • Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan.
  • LBS Financial Credit Union
  • 5505 Garden Grove Blvd, Westminster, CA, 92683
  • Long Beach school district and city college employees. Long Beach School District Employees Federal Credit Union, as LBS Financial was originally called, was operated out of homes and a classroom at Wilson High School. The staff were mostly volunteers who wanted to help the members of their community have affordable, trusted financial options.
  • California International Bank, A National Banking Association
  • 15606 Brookhurst Street, Suite C-D, Westminster, CA, 92683
  • Our mission is to facilitate and enhance the economic activity of the communities in which we operate and serve. We accomplish our mission by assisting our customers on which bank products and services fit their financial requirements. Loan decisions are made locally by experienced commercial bankers who have extensive lending experience.
  • Seal Real Estate
  • 14284 Beach Blvd, Westminster, CA, 92683
  • As a local area expert with knowledge of the communities, our objective is to work diligently to assist you in meeting your real estate goals. If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call or e-mail us.
  • TD Lending, Inc.
  • 13833 Beach Boulevard, Westminster, CA, 92683
  • TD Lending Inc. is actively seeking new borrower and broker relationships to grow its bridge lending business. We pride ourselves on conducting business with transparency, professionalism and integrity. and TD Lending Inc. our focus is on getting you the right loan and the right terms to fit your financial situation.
  • Sydney Funding & Realty
  • 9631 Bolsa Ave, Westminster, CA, 92683
  • We provide direct home loan solutions to all borrowers in any situations for more than 20 years. To make it convenience for your refinance or purchase loan search, we have included on this website the pre-qualified loan calculator and a short loan application that you can submit online from anywhere at any time.
  • ADK BANCORP INC.
  • 14615 Magnolia St, Westminster, CA, 92683
  • ADK Bancorp Inc, we serve our California customers with honesty, integrity and competence, while providing them with the lowest interest rates and closing costs available. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan with many other lenders.
  • JG Real Estate LLC
  • 7902 Westminster Ave, Unit A, Westminster, CA, 92683
  • At JG Real Estate LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you