USDA Vs. FHA your options comparison in Millbrook, Elmore County, AL
In 2026, the USDA loan limit for Millbrook, within the boundaries of Elmore county, AL, is pegged at $336,500. In comparison, the FHA loan limit for a single-family residence is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and to determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most suitable program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Millbrook, Elmore County, 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 Millbrook, AL
The aim of Lendersa® is to find you the best possible USDA or FHA loan quickly and with ease. Pick one of three starting routes that connect you with matching lenders and USDA loan programs.
The USDA home loan, backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans have no down payment requirement.
Here at Diversified Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
Guardian Credit Union is based in Montgomery, Alabama. With 64,000+ members and sixteen branches, we have all of the technology, financial products and personalized service you need to go bankless! Guardian is a member-owned, not-for-profit cooperative that provides financial services for our members including savings
The credit union was founded in 1946 by employees of the Veterans Administration in Montgomery, AL. It is our mission to offer quality service with a personal touch, ensure profitability & preserves the tradition of being a safe & secure member-owned cooperative.Membership in the credit union requires ownership of one or more shares of $25.00 each.
ASE Credit Union was established in 1954 as the Alabama State Employees' Credit Union. Years later, ASE was granted a Community Charter and we have been able to open our doors to everyone! If you live, work, worship or attend school in the 8 counties surrounding Montgomery, AL then you can join, too!Credit Union was established in 1954
"We are a Locally Owned Business offering Home Mortgage Services; We offer programs for New Home Purchase as well as Refinance for existing loans. Alabama Home Mortgage Loans is a local Mortgage Loan Origination service headquartered in Wetumpka, Alabama.Kim Williams, Senior Mortgage Loan Originator, founded Alabama Home Mortgage Loans in 2014."
First Community Bank of Central Alabama is a commercial Bank that has been open since August, 2001. We currently have offices in Wetumpka, Millbrook, Eclectic, Prattville, Tallassee, and Holtville. We also operate a Wealth Management Division and a full-service mortgage company, First Community Mortgage. It is our belief that a community is best
Fedmont FCU was formed by eight original members working in the old Federal Courthouse in 1960 to serve the employees of federal agencies also working in the courthouse at that time. After meeting strict standards, the National Credit Union Administration issued Charter #14026 to what was then known as Alabama Fedmont FCU.
MAX is a not-for-profit financial cooperative serving central and east Alabama and west Georgia. MAX is a full-service institution with several branch locations, myMAX.com, and MAX Online & Mobile banking services. See myMAX.com for our branch locations. As a full service financial institution, MAX offers business &, savings, home mortgages
The Real Estate Funding team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
