USDA Vs. FHA Pro and Con comparison in Pell-City, St. Clair County, AL
In 2025, the USDA loan cap for Pell-City, situated in St. Clair county, AL, is $285,000, whereas the FHA cap for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare the leading USDA versus FHA rates today. This tool helps you ascertain the required income, credit reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, enabling you to select the best option in for your financial needs.
2025 Loan Caps and Downpayment Details in Pell-City, St. Clair, AL
Loan Type
Maximum Loan
Min. Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Programs in Pell-City, AL
Lendersa® aims to swiftly secure the best USDA or FHA loans for you, with minimal hassle. Choose one of three initial methods that match you with appropriate lenders and USDA loan programs.
A USDA home loan, assured by the Department of Agriculture, also referred to as a rural development loan or USDA mortgage, is available solely in rural neighborhoods. While FHA loans require a minimum down payment of 3.5%, USDA loans require none.
Lake-Osceola State Bank, a locally-owned community bank, is in the business of successfully providing financial products and services. We will provide Customer Care by determining their needs and striving to exceed their expectations. We will work side by side with the community to support, assist, and promote improvement to our quality of life.
Whitecap Mortgage was founded from a desire to offer a better option to our customers. We believe that you shouldn’t have to choose between getting a competitive interest rate or getting an excellent mortgage experience, and from that belief our company was born. We take pride in treating our clients with honesty and integrity.
Since 1899 American Savings Bank a location of Readlyn Savings Bank and the people of Tripoli have worked together to make our town a great place to live. As a reliable and trusted hometown bank, ASB has stood shoulder-to-shoulder with Tripoli through the Great American Century; facing our common challenges head on.
The Bank of Steinauer was established in 1888, but was not expected to transact much business. However, it soon became an essential part of the community, and needed to be properly organized and equipped with experienced help. Because of his advanced age, Joseph put his son, John, in charge of the bank as cashier.
6500 River Place Blvd, Suite 250 Bldg 7, Austin, TX, 78730
Mortgage Pros is a Texas based, award winning mortgage company committed to excellent strategies and an extraordinary mortgage experience. Mortgage lending is all we do, all day, every day, and we do it best by consistently exceeding our customers’ expectations with integrity, authenticity, superior customer satisfaction
6500 Riverplace Blvd, Building 7, Suite 250, Austin, TX, 78730
Wiser Lending is to provide our clients with a mortgage experience that provides the best rates, lowest costs and customer service that is second to none.We will strive to educate each of our clients to empower them to make a sound financial decision.We will maintain our focus on their individual needs to ensure that when their loan closes.
Our goal at Bank 1st is to help you with all of your financial needs. We offer competitive loan and deposit products, mobile and electronic services and with three locations and multiple ATMs, you can bank when and where it is convenient for you. We take pride in being an active community bank that provides helpful
Capfi Lending, LLC collects personal information (“Information”) from you through e-mail, forms, and other methods located on our website. This Information is collected only if you choose to submit it, and in submitting it you agree to have the Information handled in accord with this policy.
