USDA VS FHA in Mountain-Brook, Jefferson County, AL
In 2026, the USDA loan cap in Mountain-Brook, situated in the county of Jefferson, AL stands at $285,000, whereas the FHA ceiling for a single-family residence is set at $356,362.
To evaluate and contrast today’s leading USDA and FHA rates, employ the Lendersa® USDA loan calculator. It also assists in calculating the requisite income, credit, reserves, and documents for eligibility. With our sophisticated mortgage tool, you can observe USDA, FHA, Conforming, and VA options simultaneously, aiding in determining the most suitable program in for your financial scenario.
2026 Loan Limits and Down Payment Requirements in Mountain-Brook, County of Jefferson, AL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Mountain-Brook, AL
Lendersa® aims to secure you the optimal USDA or FHA loan swiftly and without complications. You can begin with three different paths to connect with lenders and USDA loan programs.
The USDA home loan, endorsed by the Government Department of Agriculture, is commonly known as the USDA rural development loan or USDA mortgage, tailored mainly for rural areas. Notably, unlike FHA loans that have a mandatory 3.5% down payment, USDA mortgages require no down payment at all.
2 Office Park Cir, Suite 103, Birmingham, AL, 35223
Lends in Alabama
Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.
500 Office Park Dr, Suite 410, Birmingham, AL, 35223
Lends in Alabama
Founded in 2001, Assurance Financial Group was created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time
Alabama Law Enforcement Credit Union equips law enforcement officers and their families with low-cost services to meet financial needs and provides real solutions for financial planning. Our members are empowered to manage personal finances, using the self- service tools such as online banking with bill pay and mobile banking.
"Since 1938, AlabamaCentral Credit Union has been helping people improve their lives — making them easier and more secure, all while allowing hard-working folks to keep more of their money.
Today, we serve over 17,000 members in 28 counties — with 9 branches from the Gulf Coast to north Alabama."
Our mission is simple: To help members like you enjoy the best possible financial life. We do this with low fees for our services, competitive loan rates, and helpful advice whenever it’s needed. Every day, in every way, you can count on us as a partner in making the most of your money.
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.
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.
In 1956, a group of Birmingham city employees recognized the city’s dedicated workers needed affordable, reliable financial services. On the eighth floor of City Hall, they founded what is now known as Birmingham City Credit Union. Like all credit unions, Birmingham City Credit Union is owned by its members, and every member has equal voting power.
APCO Employees Credit Union is a not for profit, full service financial institution. The Credit Union was formed in 1953 for the purpose of promoting thrift and providing a source of low cost credit for its members. APCO is member owned and operated and its only reason for existence is to help its members do better financially.
