USDA and FHA Pro and Con in Mobile, Mobile County, AL

During 2026, the USDA loan limit in Mobile, within Mobile county, AL, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator can be used to compare the leading USDA and FHA rates. It also helps determine the income, credit, reserves, and documents necessary to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, allowing you to choose the best program for your financial scenario in .

Explore loan options from 100 lenders

Loan Limits and Down Payment Specifications for Mobile, Mobile County, AL in 2026

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Choices in Mobile, AL

Lendersa® is focused on helping you secure the best USDA or FHA loans swiftly and effortlessly. Begin with one of three options to connect with lenders and USDA loan programs.

Lendersa USDA loan application and match results

Explaining USDA Loans in AL

A USDA home loan, endorsed by the federal government's Department of Agriculture, is also called a USDA rural development loan or mortgage. It is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • AloStar Bank of Commerce
  • 3595 Grandview Parkway, Suite 425, Birmingham, AL, 35243
  • Alostar Bank Of Commerce is a branch office of Alostar Bank Of Commerce. They provide the following services: Full Service Office Location and are located at 3595 Grandview Parkway, Suite 425 in Birmingham Alabama.
    Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number

  • SouthPoint Bank
  • 3501 Grandview Parkway, Birmingham, AL, 35243
  • SouthPoint Bank was launched in October 2005 by former SouthTrust Corporation executives. Steve Smith, currently Chairman, President and Chief Executive Officer got the idea of opening a Bank when the former SouthTrust Bank was purchased by Charlotte-based Wachovia Corporation in June of 2004.

  • Superior Credit Repair
  • 2746 Summit Pl, Birmingham, AL, 35243
  • Our company’s goal is to help anyone who needs a second chance at financial freedom. Superior Credit Repair can help! We do credit repair, adjustments, improvement, debt consolidation, credit disputes and boosting. If you think you have no chance at getting a mortgage, then think again because Superior Credit Repair’s services are here.

  • CSL Financial, LLC
  • 1900 International Park Dr. Suite 50, Birmingham, AL, 35243
  • At CSL, we think that this quote from inventor Thomas Edison illustrates our thinking on manufactured home lending: “The three great essentials to achieve anything worthwhile are, first, hard work; second, stick-to-itiveness; third, common sense.” It all comes down to our unique approach to Common Sense Lending.

  • Bank of Kilmichael
  • 120 North Depot Ave., Kilmichael, MS, 39747
  • Since 1904 Bank of Kilmichael has been committed to community banking and to our local towns and cities. If there’s one thing we've learned over these past 100-plus years of serving our customers, it’s that friendly goes a long way. A long way toward keeping our customers loyal year after year, generation after generation.

  • Delta Bank
  • 1617 Carter Street, Vidalia, LA, 71373
  • On October 1, 1973, when a group of local investors acquired the charter of the failed Delta Security Bank in Ferriday, La., Delta Bank was born. That bank was originally called Louisiana Central Bank. Our heritage has been to provide innovative banking products with unique home town service and attention to customers.

  • Concordia Bank & Trust Co.
  • 904 Carter Street, Vidalia, LA, 71373
  • Since 1903, Concordia Bank has continually provided you with the best in banking products. Our approach to doing banking is simple – provide banking products our customers want with hometown customer service. We look forward to the future and the changes it will bring, while upholding the traditions of Concordia Bank.

  • Southwest Georgia Farm Credit
  • 305 Colquitt Highway, Bainbridge, GA, 39817
  • Farm Credit has been serving rural America for more than 100 years. Right here in southwest Georgia, we work side-by-side with farmers, farm businesses, land owners and homeowners. And because we’re a cooperative, your success means our success. Together, we grow. Southwest Georgia Farm Credit is part of the Farm Credit System

  • The First National Bank of Jeanerette
  • 1331 Main Street, Jeanerette, LA, 70544
  • The First National Bank is committed to the families and businesses of our communities through tailored financial solutions, service and responsiveness.

    Finance your needs backed by the savings you've already established with us. Best of all, your savings remain intact, and incurring interest.

  • TENSAS STATE BANK
  • 307 Verona Street, Newellton, LA, 71357
  • Since 1922, we have served Tensas and surrounding parishes. Our goal has always been to provide our customers with great solutions and services at the local level. We are local people making local decisions. Come see what Homegrown service is all about. Tensas State Bank; Homegrown since 1922 and proud to be Loyal to Local.

  • Health Credit Union
  • 1400 6th Avenue South, Birmingham, AL, 35233
  • Health Credit Union was Chartered in 1955, to serve the employees of the Jefferson County Department of Health and their immediate families. Health Credit Union is a member of the Credit Union Services Center Network. Our members may use any CUSC office throughout the nation. As of January 2015, we have 1820 members & assets of over $20.6 million.

  • Federal Employees CU
  • 1509 4th Ave. South, Birmingham, AL, 35233
  • Members are the most important part of Federal Employees Credit Union. We are a non-profit financial institution that exists solely to service the financial needs of its members. Like most credit unions, we are governed by a Board of Directors and Supervisory Committee, which are democratically elected by the membership.