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.
Georgia United Credit Union is an award-winning financial institution. Established in 1958, Georgia United is ranked as one of the largest and strongest credit unions in Georgia. We have locations across Georgia and 100, 000 surcharge-free ATMs across the globe. As a not-for-profit financial institution,
6290 Abbotts Bridge Rd, Suite 604, Duluth, GA, 30097
123 Mortgage Corporation 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
BankFirst is headquartered in Columbus, Mississippi with extensive corporate operations in Macon, Mississippi. Established in 1888 with one location, we currently operate 30 branch locations in Mississippi and Alabama and three loan production offices in Biloxi, Brookhaven and Oxford, Mississippi. We have been a Community Development Financial Inst
Town-Country United Bank offers the highest quality of banking services on the market today. Since 1978, we have provided superior service to our customers and have assisted them in achieving their goals. Our years of experience and commitment to excellence have earned us the reputation as the one of the best in the area
Chartered in May 1906, Camden National Bank was founded to provide Wilcox County with a bank of its own. Largely ignored by bigger-city banks, families and business owners throughout the area came to rely on Camden National Bank for responsive solutions to their unique financial needs.
DearLender is available to help you navigate the many twists and turns of mortgage lending. We are here to assist with any questions or problems that may arise whether you are buying or refinancing a home, consolidating your debt, or need a business or construction loan. Our team of experts is primed and ready to help you find the money you need.
Southern Capital Mortgage 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.
2450 Atlanta Highway, Suite 1202, Cumming, GA, 30040
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.
