USDA Vs. FHA your options comparison in Muscle-Shoals, Colbert County, AL
In the year 2026, 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.
2026 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.
1405 South Wilson Dam Rd, Muscle Shoals, AL, 35661
Lends in Alabama
TVA Community Credit Union has been defined by a renowned commitment and dedication to our members and to our community. This constant commitment is reflected in our enhanced service innovations and unequaled member service. In a financial age that has seen ever rising account fees and charges, TVACCU 's Totally Free Accounts remain a true rarity.
First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.
"Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.
In 1952, seven Reynolds Metals employees came together to combat the growing issue of predatory lending to other vulnerable plant workers. At the time, loan sharks would lend money with outrageous interest rates and sometimes never-ending terms."
Lauderdale County Teachers Credit Union is committed to meeting the ever-changing needs of your financial well-being. Established by school employees’ – for teachers, administrators, and support staff – Lauderdale County Teachers Credit Union, for more than 60 years has been providing quality, committed service.
In 1959, when the Credit Union was chartered, only employees of the City of Florence were eligible for membership. The charter has been amended many times expanding the field of members. In March, 2001 NCUA granted a Community Charter to the Credit Union. It states that persons who live, work, worship, or attend school in, and businesses.
First Southern Bank has been helping Shoals residents with their mortgage needs for over 80 years. Whether you are buying, building, or refinancing, First Southern Bank has the right loan to meet your needs. We offer competitive rates for your mortgage lending needs.Let First Southern Bank’s mortgage loan.
Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank.
We couldn't be where we are today without our team members
Valley Credit Union was originally chartered as Sheffield-Tuscumbia Credit Union. On January 19, 1956, eight employees of Sheffield and Tuscumbia Board of Education petitioned the state of Alabama for a charter to provide their employees with a convenient way to save and borrow. Today Valley has grown from 22 members in their first month.
Champion Community Credit Union began in 1971 with a group of Champion International Paper Company employees who saw the need for a place to save and borrow at reasonable rates. We are now a full service financial institution with assets to over $50,000,000, and four branch offices.
