USDA Vs. FHA your options comparison in Muscle-Shoals, Colbert County, AL
In the year 2025, the USDA loan limit for Muscle-Shoals in the county of Colbert, AL is set at $285,000. Meanwhile, the FHA ceiling for a single-family residence is $356,362.
Leverage Lendersa®'s USDA loan calculator to contrast the best USDA and FHA rates available today, and establish the income, credit, reserves, and documentation necessary to qualify. Our comprehensive mortgage comparison tool reveals USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most appropriate program in for your financial scenario.
2025 Loan Limits and Down Payment Specifications in Muscle-Shoals, Colbert, AL
Loan Type
Maximum Limit
Down payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Muscle-Shoals, AL
The mission of Lendersa® is to swiftly secure you the ideal USDA or FHA loan without difficulty. Choose from three initial options that lead to connecting with lenders and matching USDA loan programs.
A USDA home loan is government-backed by the U.S. Department of Agriculture, commonly referred to as a rural development loan or USDA mortgage, and is available exclusively in rural areas. While FHA loans need a minimum down payment of 3.5%, USDA loans do not demand any down payment.
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