USDA Vs. FHA your options comparison in Montevallo, Shelby County, AL

In 2026, for the city of Montevallo in Shelby, AL, the USDA loan limit is $336,500, whereas the FHA loan limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to compare the most competitive rates between USDA and FHA loans. You'll determine the necessary income, credit level, reserves, and paperwork to qualify. With our advanced tools, view USDA, FHA, Conforming, and VA options side by side, aiding in your decision-making for your financial situation in .

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Loan Limits and Down Payment Requirements for 2026 in Montevallo, Shelby County, AL

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

Exploring USDA and FHA Loan Options in Montevallo, AL

The goal of Lendersa® is to efficiently connect you with the best USDA or FHA loans. Start by choosing one of three paths to match with suitable lenders offering USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AL

A USDA home loan, supported by the Department of Agriculture and often called a USDA rural development loan, is designed for rural areas. Unlike FHA loans needing a 3.5% down payment, no down payment is required for a USDA mortgage.

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



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  • 4705 W US Highway 90, Lake City, FL, 32055
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