USDA Vs. FHA Pro and Con comparison in Pelham, Shelby County, AL
As of 2025, the USDA loan limit in Pelham, within Shelby county, AL, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to explore and compare today's leading USDA versus FHA rates. This tool helps you determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, guiding your decision on the most suitable program for your financial situation in .
2025 Loan Limits and Downpayment Requirements in Pelham, County of Shelby, 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 Pelham, AL
Lendersa® is dedicated to finding you the best possible USDA or FHA loan efficiently and effortlessly. Choose one of three starting points to connect with lenders and USDA loan offerings.
The USDA home loan, backed by the Department of Agriculture, commonly called a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.
Tri county Federal Credit is owned by its members and run by a board of directors you elect.
You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
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