USDA and FHA Pro and Con in Muscle-Shoals, Colbert County, AL

In 2024, USDA loan limit in Muscle-Shoals, county of Colbert, AL is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Muscle-Shoals, county of Colbert, AL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Muscle-Shoals, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Lead Funding, LLC
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  • Lead Funding’s mission is to offer non-bank direct lending to real estate investors with competitive rates, hassle-free and quick terms, and complimentary essential tools. This “holistic” approach assists small to large real estate investors and is truly industry unique. To date, Lead Funding has loaned in excess of $700,000,000 directly to investo
  • Bridge Capital Resources LLC
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  • Bridge Capital Resources™ LLC is a private money lender whose mission is to leverage entrepreneurial creativity bringing about inspired vision for transformation. We provide capital to real estate entrepreneurs for investment property acquisition, rehabilitation and stabilization. Principals of our company have nearly sixty years of combined indust
  • Fitzsimons Credit Union
  • 2201 Fitzsimons Pkwy, Aurora, CO, 80045
  • The vision of Fitzsimons Credit Union is to be the recognized leader in our community by consistently delivering an exceptional partner experience. Our mission is to know our partners as individuals and focus on their life-long financial needs; advise and advocate while always exceeding their expectations. As "a partnering credit union.
  • 3-D Mortgage, LLC
  • 2493 Quinlan Gulch, Woodland Park, CO, 80863
  • At 3-D Mortgage we are committed to building long term relationships. We are dedicated to providing individual attention and service. We care not only about your current mortgage and financial needs, We also care about you, your future and your long term goals. We provide individual attention and service.
  • Skyridge Lending, LLC
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  • Skyridge Lending is committed to helping you find the right mortgage for your needs. We offer a variety of products, including Conventional, FHA, VA, USDA and more. Currently lending in CO, TX, OK, CA, AK, and HI. Call us for a free assessment today!variety of products, including Conventional, FHA, VA
  • Accutrust Mortgage Inc
  • 1107 Pleasant Street, Fall River, MA, 02723
  • Accutrust Mortgage Inc. is comprised of the area's most knowledgeable and caring mortgage professionals. We have helped thousands of families in New England realize their dream of home ownership. Since our inception in 2004, we have arranged $2, 406, 051, 922.00 in mortgage loans while serving 10, 781 families.
  • Westport Federal Credit Union
  • 655 State Road, Westport, MA, 02790
  • In 1949, Antone Costa moved to the town of Westport. He enrolled in Business school and began to study Accounting, Cost Accounting, and Business Law for the next three years. Around that time he realized that Westport did not have a banking facility. Upon consulting the President of St. Mathieu’s Credit Union, he began to assemble a group.
  • Community Mortgage Partners LLC
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