USDA Loan Vs. FHA loan pro & con Russellville, Franklin County, AL

During 2026, for Russellville in Franklin county, AL, the USDA loan limit is $336,500. For a single-family home, the FHA limit stands at $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding the best option for your financial scenario in .

Options for USDA and FHA Loans in Russellville, AL

Lendersa®'s aim is to quickly and effortlessly secure you the most suitable USDA or FHA loan. Start by choosing one of three methods to connect with matching lenders and USDA loan possibilities.

Explaining USDA Loans in AL

A USDA home loan, supported by the government Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is accessible exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, the USDA mortgage loan does not require any down payment.

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Russellville Lenders
(256) 381-4800 Lender's profile and map Valley Credit Union, Alabama 200 E 6th Street, Tuscumbia, AL, 35674 Lends in Alabama Valley Credit Union was originally chartered as Sheffield-Tuscumbia Credit Union. On January 19, 1956, eight employees of Sheffield and Tuscumbia Board of Education petitioned the state of Alabama for a charter to provide their employees with a convenient way to save and borrow. Today Valley has grown from 22 members in their first month.
(256) 332-3600 Lender's profile and map Valley State Bank 15565 Highway 43 Bypass, Russellville, AL, 35653 Lends in Alabama Valley State Bank is a locally owned and operated bank that was formed with one simple operating principle: To provide the members of our community with the best financial services to help them achieve their financial goals.Our staff here at Valley State Bank has decades of experience in banking.
(256) 332-5315 Lender's profile and map Community Spirit Bank 14009 Highway 43, Russellville, AL, 35653 Lends in Alabama Community Spirit Bank was the town of Red Bay’s first bank. We opened with the name Bank of Red Bay on June 11, 1908 in the Red Bay Hotel. Our roots run deeper than any other business in this community. We pride ourselves on being a true community bank and serving the citizens of our communities.
(877) 332-1710 Lender's profile and map CB&S Bank 200 Jackson Avenue South, Russellville, AL, 35653 Lends in Alabama CB&S Bank is a leading community Bank with over $2 billion in assets, headquartered in Russellville, Alabama. We operate 56 branches in the Alabama, Mississippi, and Tennessee markets and employ more than 500 people. We are a local, community Bank with proven success and staying power.
(256) 468-5867 Lender's profile and map Bank Independent 710 S Montgomery Ave, Sheffield, AL, 35660 Lends in Alabama Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank. We couldn't be where we are today without our team members
(256) 386-3000 Lender's profile and map TVA Community Credit Union 1405 South Wilson Dam Rd, Muscle Shoals, AL, 35661 Lends in Alabama TVA Community Credit Union has been defined by a renowned commitment and dedication to our members and to our community. This constant commitment is reflected in our enhanced service innovations and unequaled member service. In a financial age that has seen ever rising account fees and charges, TVACCU 's Totally Free Accounts remain a true rarity.
(256) 314-1600 Lender's profile and map First Metro Bank 406 West Avalon Avenue, Muscle Shoals, AL, 35661 Lends in Alabama First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.
(256) 383-9204 Lender's profile and map Listerhill Credit Union 4790 East 2nd Street, Muscle Shoals, AL, 35661 Lends in Alabama "Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community. In 1952, seven Reynolds Metals employees came together to combat the growing issue of predatory lending to other vulnerable plant workers. At the time, loan sharks would lend money with outrageous interest rates and sometimes never-ending terms."
(256) 637-6511 Lender's profile and map Champion Community Credit Union 16601 County Road 150, Courtland, AL, 35618 Lends in Alabama Champion Community Credit Union began in 1971 with a group of Champion International Paper Company employees who saw the need for a place to save and borrow at reasonable rates. We are now a full service financial institution with assets to over $50,000,000, and four branch offices.