USDA Vs. FHA Pro and Con comparison in Montgomery, Montgomery County, AL
In 2025, the USDA loan ceiling for Montgomery, in the county of Montgomery, AL, is $336,500. In comparison, the FHA loan limit for a single-family residence is set at $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's most favorable USDA vs. FHA rates. This tool also assists in identifying necessary income, credit scores, reserves, and documents for qualification. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA programs, facilitating your decision for the most fitting financial option in .
2025 Loan Limits and Down Payment Requirements for Montgomery, County of Montgomery, 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 Montgomery, AL
Lendersa® aims to quickly and smoothly connect you with the best USDA or FHA loan deals. You can embark on any of the three suggested methods to match with lenders and USDA loan offerings.
A USDA home loan, insured by the U.S. government's Department of Agriculture, is also termed a USDA rural development loan or USDA mortgage and is strictly available for rural regions. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage necessitates no down payment whatsoever.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, security testing, and secured files and buildings. WE PROVIDE LINKS TO THIRD PARTY PARTNERS, INDEPENDENT FROM 1ST RESOURCE CREDIT UNION.
ServisFirst Bank is a full service commercial Bank focused on commercial Banking, correspondent Banking, cash management, private Banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service. The Bank offers sophisticated cash management products.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
2850 19th Street South, Suite 300, Birmingham, AL, 35209
"We have built a strong reputation for over 25 years as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout our southeast lending area.
We're a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending"
At First Financial Bank – headquartered in Bessemer, Alabama! We also have First Financial Bank branches in Centreville, Hueytown, McCalla, Pelham, Vance, West Blocton, and Woodstock.
As a community bank, we offer friendly and personal hometown service. We serve our communities by accepting only local deposits
At Marvel City Federal Credit Union, our Southern roots run deep. We live in a place where people take pride in their hometown, recognize that local businesses are the lifeblood of the economy, and go the extra mile to help their neighbors. Your finances are a major priority in your life. So we make it a priority to quickly.
1101 Martin Luther King Jr Drive, SW, Birmingham, AL, 35211
Sixth Avenue Baptist FCU is an independent financial cooperative owned by its members. Sixth Avenue Baptist FCU was chartered in 1963 to help meet the financial needs of the members of Sixth Avenue Baptist Church and their immediate family members. Our main objective is serving our member-owners.
New Pilgrim Federal Credit Union was established in 1965 as an outreach ministry for members of New Pilgrim Baptist Church designed to meet the basic financial services needs of the congregation. The church is an established institution in Birmingham, Alabama organized in December 1900.
