USDA and FHA Pro and Con in Madison, Madison County, AL
During 2026, the USDA loan limit for Madison in Madison county, AL, is $336,500, compared to the FHA limit of $472,030 for a single-family home.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA options side-by-side to pick the best fit for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Madison, County of Madison, 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 Madison, AL
The aim of Lendersa® is to connect you with the best USDA or FHA loan swiftly and effortlessly. Pick one of three starting paths that connect you with lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is solely for rural areas. Unlike FHA loans, which require a 3.5% down payment, USDA loans need zero down payment.
In 2009, Adam Davidson’s vision came to life in the Huntsville, Alabama market. His new home building company, Davidson Homes, offered home buyers quality construction and materials, superior value and an unprecedented level of personalization. He committed himself to building an all-star team of employees
500 Providence Main St, Suite 2, Huntsville, AL, 35806
Lends in Alabama
We know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. With a variety of loan programs & we will find the loan that best suits your needs.
At Rocket City Federal Credit Union, we are members helping members. As we continue to grow and support our community, we remember our humble beginnings and give thanks to all of our members and affiliations. We were built on the foundation of our members, which is why we will always work hard for you.
Redstone Federal Credit Union has been proudly serving the Tennessee Valley since 1951 and now has more than 400,000 members. Redstone has over 4 billion in assets and 25 branch locations in Northern Alabama and Southern Tennessee. As the largest credit union in the state of Alabama and ranked among the Top 20 federal credit unions
Alabama Mortgage Lending committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
7501 Memorial Pkwy SW, Suite 100, Huntsville, AL, 35802
Lends in Alabama
Since our beginning in 2006, North Alabama Mortgage has been helping people fulfill their dreams of becoming homeowners. We pride ourselves on finding the best loan at the lowest cost possible. All with a focus on personal, friendly service and making the loan process as quick and easy as possible to our clients.
NAECU was established in 1955 to serve employees of the local Huntsville educational community and has expanded over the years. The credit union now serves over 10,500 members and has accumulated over $82,000,000 in total assets. NAECU follows the philosophy of "Not for Profit, not for Charity, but for Service".
At Merit Bank, our mission is to empower employees to think and serve our customers with an ownership mentality so that we may always stay true to our name.
To receive more information about Merit Bank or any of our services, please call us at 256-692-8700, To call a branch directly, please visit the Locations page for branch numbers.
Founded in 2005, Bryant Bank proudly operates 18 branches located in five of the six largest metropolitan markets in the state of Alabama: Huntsville, Birmingham, Tuscaloosa, Mobile, and Baldwin County. We offer personal, business, and mortgage banking services as well as Treasury Management Services, Correspondent Banking, and Capital Markets.
