USDA Vs. FHA your options comparison in Scottsboro, Jackson County, AL

In 2026, the USDA loan limit in Scottsboro, Jackson county, AL, is $336,500. Meanwhile, for an FHA single-family home, the limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA vs. FHA rates today and determine the income, credit, reserves, and documentation necessary to qualify. Our enhanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program in for your financial situation.

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Loan limits and Down Payment Requirements for 2026 in Scottsboro, Jackson, AL

Loan Type Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Scottsboro, AL

Lendersa® is dedicated to securing the best USDA or FHA loans swiftly and smoothly. Opt for one of three entry points to find matching lenders and USDA loan programs.

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Understanding USDA Loans in AL

A USDA loan, backed by the Department of Agriculture and also known as a rural development loan, is exclusively available in rural areas. Unlike FHA loans, which necessitate a 3.5% down payment at minimum, USDA loans have no down payment requirements.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 2121 W 84th Ave, Suite 201, Denver, CO, 80260
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  • Denver Fire Department Federal Credit Union
  • 12 Lakeside Lane, Denver, CO, 80212
  • Denver Fire Department Federal Credit Union is a not-for-profit, locally owned financial cooperative here to help you achieve your financial goals. The credit union was started by Denver Firefighters for professional firefighters in 1938. Today we still only serve professional firefighters and their immediate family members.
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