USDA VS FHA in Odenville, St. Clair County, AL

For the year 2025, the USDA loan limit in Odenville, situated within the county of St. Clair, AL, is set at $336,500. In contrast, the FHA loan limit for a single-family dwelling is $472,030.

Utilize the Lendersa® USDA loan calculator to examine and compare the current top rates of USDA and FHA loans. This tool helps you understand the necessary income, credit score, reserves, and documentation required for eligibility. Our sophisticated mortgage calculator further allows you to view USDA, FHA, Conforming, and VA loan options side by side, assisting you in determining which program aligns best with your financial goals in .

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Loan Limits and Down Payment Requirements for 2025 in Odenville, St. Clair County, AL

Type of Loan Maximum Amount Obligatory Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover Your USDA and FHA Loan Choices in Odenville, AL

Lendersa® aims to secure the most favorable USDA or FHA loan for you efficiently and effortlessly. Begin by choosing from three options, each leading you to compatible lenders and suitable USDA loan programs.

Loan match results for Lendersa USDA requests

An Overview of USDA Loans in AL

The USDA home loan, endorsed by the United States Department of Agriculture, is commonly known as the USDA rural development loan or USDA mortgage. It is exclusively available in specified rural locales. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA loans require no down payment at all, facilitating homeownership in rural regions.

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



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