As of 2026, the USDA loan threshold in Ozark, within Dale county, AL, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Employ the Lendersa® USDA loan calculator to assess the top USDA vs. FHA rates available today. This tool guides you in determining the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA programs side by side, aiding you in selecting the most suitable option for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Ozark, Dale, AL
Type of Loan
Maximum Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Exploring USDA and FHA Loan Choices in Ozark, AL
Lendersa® is committed to swiftly finding the best USDA or FHA loan to meet your needs without complications. Choose one of three initial strategies to align with matching lenders and USDA loan offerings.
A USDA home loan is guaranteed by the government's Department of Agriculture, also known as a rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages do not necessitate any down payment at all.
The Commercial Bank of Ozark was chartered in 1959 and has served the citizens of Ozark and Dale county to the present. Douglas Brown organized the bank because the financial needs for new construction were going unmet by the community's primary bank. Members of the initial board of directors included Douglas Brown, William C. Brown, etc
The mission of Solutions First Credit Union is to always provide value to all members. That value will include financial solutions for members needs and providing a level of service that is unmatched within our geographical footprint. We pledge to always look for alternative solutions that best meet the needs of each credit union member.
From our executives to the front-line staff members you interact with every day, all of our team members possess the knowledge to get the job done and the passion for serving. From helping you open an account or answering a question to providing financial advice, we’re always ready to assist any way we can.
Five Star Credit Union wants you to succeed. We partner with you to help you fulfill your financial goals. Checking is always free along with our debit card, mobile app, bill pay, free fraud text alerts, and the free Five Star Digital Wallet. Credit Union wants you to succeed. We partner with you to help you fulfill your financial goals.
220 East Lawrence Harris Highway, Slocomb, AL, 36375
Lends in Alabama
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At MidSouth Bank, our roots have long been established in independent, community Banking. Founded in January 1912, during an era when many community leaders across the nation formed Banks to meet the needs of neighborhood families and business owners, we opened our doors with just $18, 000 in assets.
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