USDA VS FHA in Pleasant-Grove, Jefferson County, AL
For 2026, the USDA loan limit in Pleasant-Grove, located in Jefferson, AL, is $285,000, while the FHA limit for a single-family home is $356,362.
With the Lendersa® USDA loan calculator, you can compare the best USDA and FHA rates available today. Discover the necessary income, credit score, reserves, and documentation required to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side, helping you select the optimal program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Pleasant-Grove, Jefferson, AL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Pleasant-Grove, AL
At Lendersa®, our aim is to quickly secure you the best USDA or FHA loan with minimal hassle. Choose from three starting points that connect you to matching lenders and USDA loan opportunities.
A USDA home loan, backed by the government's Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It’s available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans need no down payment at all.
We were built on the "People Helping People" philosophy and that remains true today. Our mission is to provide quality services to meet the financial needs of our members. We are committed to serving our members' needs both today and in the future. Jersey Shore Federal Credit Union is a member-owned, not-for-profit financial cooperative.
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