USDA VS FHA in La-Fayette, Chambers County, AL

In 2024, USDA loan limit in La-Fayette, county of Chambers, AL is $285,000 while FHA limit is $356,362 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.

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2024 loan limits and downpayment requirments in La-Fayette, county of Chambers, AL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in La-Fayette, 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?



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  • The Loan Doc Daniel Young
  • 9227 Haven Ave, Suite 300, Rancho Cucamonga, CA, 91730
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  • NexxMortgage
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  • WE ARE PREMIER MORTGAGE CONSULTANTS. Our mortgage loan officers are highly trained, experienced and motivated to work with you. Fill out a quick form and we'll match you with a loan officer that will help you accomplish your goals. Our fees, interest rates and vendor fees are some of the lowest in the industry.
  • Esteem Mortgage
  • 10670 Civic Center Drive, Suite 100, Rancho Cucamonga, CA, 91730
  • Esteem Mortgage mortgage industry in 1979. My experience includes Loan Processing, Underwriting, Funding, Closing, and managing a Banker's office as an AVP. I currently hold my NMLS License and Real Estate License. My clients love working with me because I can anticipate any unforeseen issues and resolve them before they become a problem.
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  • GG Real Estate Services
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  • GG Real Estate Services is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • Source Funding
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  • Oikos Mortgage Funding understands that borrowing and lending money can be a long tedious process, particularly if all parties involved don’t have the same intention. We understand that every borrower’s and lender’s situation is unique, therefore we provide a varied array of loan products.
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