USDA Vs. FHA Pro and Con comparison in Opelika, Lee County, AL

In 2025, USDA loan limit in Opelika, county of Lee, AL is $336,500 while FHA limit is $472,030 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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2025 loan limits and downpayment requirments in Opelika, county of Lee, AL

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Opelika, 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?



  • Ascent Home Loans
  • 8788 Elk Grove Boulevard, Suite O, Elk Grove, CA, 95624
  • Ascent Home Loans, your go to real estate & Mortgage solution. The owner, Mohammad Ashraf is a a licensed real estate broker and loan originator. During his career, he has accumulated more than 20 years worth of experience. Thanks to that, we can proudly say to be one of the few real estate brokers that have been active through the recent recession
  • InTrust Realty & Financial Group
  • 9381 E Stockton Blvd, Suite 114, Elk Grove, CA, 95624
  • Intrust Realty Group goes well beyond the the traditional real estate services. We believe that information about properties, local neighborhoods, agents & brokers should be made freely available to everyone. We have the skills and tools to help you accomplish your real estate goals. Someone you can trust.
  • SkyWest Mortgage
  • 9381 East Stockton Boulevard, Suite 200, Elk Grove, CA, 95624
  • SkyWest Real Estate | SkyWest Mortgage | SkyWest Property Management were started with the goal of seamlessly integrating the most vital parts of real estate. We help everyone from first-time homebuyers, property investors, those looking for a mortgage loan, or property owners looking to have their properties professionally managed.
  • Hill Real Estate and Loans
  • 9643 Kunzite Court, Elk Grove, CA, 95624
  • Hill Real Estate and Loans is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Johnny Delgadillo - Answer Home Loans, Inc.
  • 9381 E Stockton Blvd, Suite# 102, Elk Grove, CA, 95624
  • Johnny Delgadillo is your premier mortgage expert located in Elk Grove, California. He prides himself on offering some of the lowest rates nationwide and makes the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Elk Grove area. Whether you are first time home buyer, purchasing your dream home etc.
  • Anew Lending
  • 9299 East Stockton Blvd #50, Elk Grove, CA, 95624
  • Anew Lending Mortgage is a leading residential mortgage lender, licensed by the U.S. Department of Housing and Urban Development (HUD), that provides homebuyers and our commercial customers mortgages. Anew Lending Mortgage was founded with the primary desire to address the needs of customers for faster, easier access to mortgage loans.
  • Spartan Mortgage Services
  • P.O. Box 790, Elk Grove, CA, 95624
  • Spartan offers a wide variety of real estate financing solutions. We can arrange almost any type of real estate secured loan in California. Conforming, non-conforming, residential, apartments, commercial, land, credit qualified, recent bankruptcy or even presently in bankruptcy.
  • Metro Financial and Realty
  • 9521 Folsom Boulevard, Suite O, Sacramento, CA, 95827
  • We specialize in home loans. We have every loan product available to suit our client’s needs. We are competitively priced to ensure a great mortgage but service and knowledge to complement your experience.Metro Financial Services is not just here for your one transaction but we strive to earn your continuing relationship.
  • Stockton Mortgage R.E.L.S.C.
  • 6820 Pacific Avenue, Stockton, CA, 95207
  • Stockton Mortgage R.E.L.S.C. is the original Team of local experts for real estate loans. We strive to support our communities through easy to understand home loans, construction financing, and more! Mortgages are processed in a family friendly, yet boutique business atmosphere. 40 years Local & Now Online to Connect.
  • Tri-Valley Lending
  • 4600 N. Pershing Ave, Suite B, Stockton, CA, 95207
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Central Valley Mortgage Group
  • 5713 N. Pershing Avenue, Suite D2, Stockton, CA, 95207
  • We are a full-service mortgage company based in Stockton, CA. We specialize in FHA, VA, Conventional, USDA & JUMBO loans in Lodi, Linden, Patterson and Sonora. We also serve the surrounding cities in San Joaquin County, Stanislaus County, Madera County. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
  • Valley Capital Lending
  • 4550 North Pershing Avenue, Suite 7, Stockton, CA, 95207
  • Our team at Valley Capital Realty is here to guide you through the Central Valley's treasure trove of real estate opportunities. After all, we're passionate for what we do and are proud to share that passion with such an amazing community. From decades of experience and unparalleled market knowledge to refined negotiating skills