As of 2025, the USDA loan limit for Pinson, which is situated in Jefferson County, AL, is $336,500. By contrast, for single-family homes, the FHA sets its limit at $472,030.
Utilize Lendersa®'s USDA loan calculator to contrast the leading USDA vs. FHA rates available today, while also identifying the necessary income, credit scores, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding in determining the ideal program for your financial circumstances in
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| Loan Type | Loan Limit | Down payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to swiftly and seamlessly connect you with the most suitable USDA or FHA loan. Choose from three initial options to align with lenders offering USDA loan programs.
A USDA home loan is a government-backed loan provided by the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage. Such loans are limited to rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages do not necessitate any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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