USDA Vs. FHA your options comparison in Margaret, St. Clair County, AL
During 2026, the USDA loan threshold in Margaret, within St. Clair county, AL, is $336,500, whereas for a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to juxtapose today’s top USDA and FHA rates and identify the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side to assist you in determining which program in fits your financial situation best.
2026 Loan Limits and Downpayment Requirements in Margaret, St. Clair County, AL
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Margaret, AL
Lendersa® is committed to swiftly providing you with the best USDA or FHA loan options, without hassle. Choose from three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage. It is solely offered in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage demands no down payment.
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