USDA Loan Vs. FHA loan for Mobile, AL 2026

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 .

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.

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(931) 684-7222 Lender's profile and map Reviews PEOPLES BANK OF MIDDLE TENNESSEE 1122 North Main Street, Shelbyville, TN, 37160 Peoples Bank of Middle Tennessee is proud to be locally owned and operated. Locally owned means decisions are made locally. The money you deposit in Peoples Bank is reinvested in the form of loans to individuals, businesses, churches and municipalities in middle Tennessee.Peoples Bank was founded in December, 2000 with the goal to provide the full
(931) 680-1400 Lender's profile and map Reviews Heritage South Community Credit Union 763 North Main Street, Shelbyville, TN, 37160 Heritage South has grown to over 25, 000 members across the communities of Bedford, Marshall, and Rutherford Counties in central Tennessee. We are a non-profit financial cooperative owned by our account holders This means we put our members’ interests first and aren’t working to make a board of Wall Street investors rich.
(409) 221-6777 Lender's profile and map Reviews First State Bank of Texas 4039 Ih 10 East, Orange, TX, 77630 First State Bank opened its doors on August 12, 1914. The bank was chartered and operated as Live Oak County State Bank until May 23, 1932, when the current name was adopted. Previous stockholders include John Nance Garner, former Vice President of The United States. The first branch opened on November 28, 2016 in Beaumont
(409) 988-1300 Lender's profile and map Reviews Sabine Federal Credit Union 1939 Strickland Drive, Orange, TX, 77630 Sabine Federal Credit Union was established in 1948. We are currently serving the financial needs of Hardin, Jasper, Jefferson, Newton, Orange & Tyler Counties with checking accounts auto loans, home mortgage loans, & more.Credit Union was established in 1948. We are currently serving the financial needs of Hardin Jasper, Jefferson, Newton, Orange.
(870) 836-4400 Lender's profile and map Reviews River Valley Community Federal Credit Union 340 Cash Road SW, Camden, AR, 71701 River Valley Community Federal Credit Union is a member owned financial institution whose purpose is to promote the financial well-being of its members by being committed to providing courteous, efficient and sound financial services. River Valley Community Federal Credit Union has a vision for growth and a heart for member service.
(678) 714-4965 Lender's profile and map Reviews Safe Harbor Mortgage, llc 4841 Stone Moss Path, Hoschton, GA, 30548 In 2012, after 15 years in the mortgage industry, Barb Bone stepped out to establish Safe Harbor Mortgage, a residential mortgage brokerage built upon three core values - professionalism, integrity, and a committment to personal service. In an industry often marked by companies chasing profits over the priorities of their customers
(478) 552-6901 Lender's profile and map Reviews The Geo. D. Warthen Bank 216 N. Harris St., Sandersville, GA, 31082 Shortly after returning from the Civil War, Mr. Geo. D. Warthen entered the mercantile business in partnership with Jeff A. Irwin, Sr. and began business in a building on West Haynes St. (Present location of The Hair Force). In 1871, a rear corner of the building was partitioned off
(478) 552-5116 Lender's profile and map Reviews Citizens Bank of the South 132 South Harris Street, Sandersville, GA, 31082 Citizens Bank of the South has changed considerably over the past several decades, CBOTS is committed to its loyal customers, prudent growth, and personal and professional service. We invite you to browse our newly branded website, visit any of our four convenient locations, or give our friendly customer services.
(423) 855-1770 Lender's profile and map Reviews Memorial Credit Union 6800 Longview Road, Chattanooga, TN, 37421 Memorial Credit Union is committed to providing financial benefits which are recognized by its members as offering value. The Credit Union will promote savings, provide valued and expanding financial services, and encourage financial stability within the community, while operating in a sound financial manner.
(423) 892-3738 Lender's profile and map Reviews Chattanooga Federal Employees Credit Union 2011 Stein Drive, Chattanooga, TN, 37421 Chattanooga Federal Employees Credit Union is a not-for-profit, member-owned financial institution that exists to serve its members. Being a member of the credit union is the smart way to manage your finances. We have a complete line of financial products and services to meet your needs.
(423) 624-3878 Lender's profile and map Reviews Mortgage South 6576 East Brainerd Rd, Chattanooga, TN, 37421 Since its founding in 1986, Mortgage South has helped more than 8, 000 homeowners across Tennessee and North Georgia finance their new homes. Locally owned and operated, the firm prides itself on the reliability and accuracy of its loans. Mortgage South is also the leading originator of reverse mortgages in Tennessee,
(844) 805-9100 Lender's profile and map Reviews HomeRate Mortgage 7506 East Brainerd Road, Chattanooga, TN, 37421 HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval you have to depend on the best mortgage professionals.