USDA Vs. FHA Pro and Con comparison in Margaret, St. Clair County, AL
During 2025, 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.
2025 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.
DMC has been providing mortgage loans since 2000. We are a mortgage broker, which allows us the opportunity to work with multiple lenders. Being a broker gives us the ability to access many different programs and secure the best rate for our clients. On October 1, 2009, Diversified Mortgage became a wholly owned subsidiary of Bank of Forest.
We are a Top Producer for Down Payment Assistance, Grant Money & Tax Credit Programs. Whether you're a first-time homebuyer or an experienced one, we're ready to listen to your unique situation & provide a solution to meet your needs. We're committed to providing you unparalleled support,
At Bank of Halls, our highest priority is the health of our customers, employees, and communities. While we know there are rising concerns surrounding COVID-19, we are monitoring the situation closely with local healthcare experts, the Centers for Disease Control and Prevention (“CDC”), World Health Organization (“WHO”), and Tennessee Bankers.
Mobile Postal Employees Credit Union was established July 1st, 1949 to serve the needs of Postal Workers and their families. Like all credit unions, we are a nonprofit, member-owned financial institution. Unlike a bank, we do not operate for profit. Any profit earned by the credit union is returned to the members in the form of dividends.
Azalea City Credit Union currently serves the financial needs of Mobile, Baldwin, Washington and Clarke County residents and those that work, attend school or worship in these counties. At Azalea City Credit Union, we are committed to providing our members with quality financial products and exceptional service.
AFC Mortgage wants to be your lender that can design a program that fits your particular home financing needs both now and in the future. Our rates are very competitive and we have a wide variety of financing options available to you.
Our affiliation with numerous lenders allows AFC Mortgage the potential to save you thousands of dollars
In an increasingly centralized business environment — where the main office may be hundreds of miles away in another state — it's reassuring to know that there are still truly "home-owned" companies. Magnolia Mortgage Company has been making a name for itself in the Mobile area since 1990.
Our family at Mortgage Team 1 is committed to providing our clients with the highest quality financial services. Our professional Mortgage Planners will work with you one on one to ensure that you get a financial plan that is tailored specifically to meet your mortgage needs. Whether you are purchasing your dream home,
