USDA and FHA Pro and Con in Scottsboro, Jackson County, AL

In 2025, 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 2025 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?



  • Cumberland Bank and Trust
  • 502 Madison Street, Clarksville, TN, 37040
  • At Cumberland Bank & Trust, we realize that our customers are the reason we are here to serve our community. Like our President & CEO, Ron Sleigh says, “Cumberland Bank & Trust is a true ‘community bank.’ All five of our offices are located in Clarksville and Montgomery County. We pride ourselves on personalized customer relationships,
  • Castle Rock Mortgage, LLC
  • 120 Center Pointe Dr, Suite 4, Clarksville, TN, 37040
  • The Castle Rock Mortgage, LLC Team is your premier mortgage team located in Clarksville, Tennessee. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Tennessee area.
  • Fortera Credit Union
  • 2050 Lowes Dr, Clarksville, TN, 37040
  • As a not-for-profit financial cooperative, Fortera’s focus will always be on serving people, not shareholder profit. Simply put, we value members over numbers. Our approachable, casual nature lacks the stuffiness of traditional banking. We have a reputation for finding a way to help people achieve their goals in the face of financial obstacles.
  • Aniya Equity
  • 306 Madison St, Suite 371, Clarksville, TN, 37040
  • Aniya Equity is a community-focused real estate investment company located in Clarksville, Tennessee that wants to pay you cash for your home. With years of experience, we set out to help our neighbors by stimulating local development, empowering residents and property owners and aid up-and-coming communities throughout Tennessee and Kentucky.
  • Lifestyle Mortgage LLC
  • 902 Main Ave, Northport, AL, 35476
  • Lifestyle-Mortgage.com, I believe in providing our clients with the utmost in VALUE. VALUE is not just found in the price you pay for a service, but in the sum total of the service you receive. By providing the Highest Level of customer SERVICE to our clients we are able to soothe the apprehension of applying for, and your experience with, the
  • MORAN FINANCIAL GROUP LLC
  • 4594 Cloister Circle, Hampton, GA, 30228
  • We are a full-service mortgage company based in Hampton, GA. We specialize in First Time Buyer Prequalification in Hampton. We also serve the surrounding cities in Henry County. Whether you are buying a home or refinancing in any of these zip codes: 30228, 30253, 30281, we can help you realize your dream of home ownership
  • Safe Harbor Mortgage, llc
  • 4841 Stone Moss Path, Hoschton, GA, 30548
  • In 2012, after 15 years in the mortgage industry, Barb Bone stepped out to establish Safe Harbor Mortgage, a residential mortgage brokerage built upon three core values - professionalism, integrity, and a committment to personal service. In an industry often marked by companies chasing profits over the priorities of their customers
  • Creative Mortgage Solutions
  • 726 Clinch Ave, Clinton, TN, 37716
  • Established in 2000, Creative Mortgage Solutions offers loan assistance, financing and ReFinancing options, and advice from Licensed Mortgage Brokers in the state of Tennessee. Are you thinking about moving but don’t have the money to? By utilizing our loan services, you can always afford that dream home you’ve been looking at for months.
  • Metro Park Mortgage Group LLC
  • 833 Virginia Court SE, Conyers, GA, 30094
  • Metro Park Mortgage Group LLC founder of the Twila Reed she started career in 1997 as a loan officer assistant and gradually moved the up ranks of becoming a loan processor then a loan originator. In 2000, I recall saying to myself, these guys are making a lot of money and making great friends. My next goal was to become that person.
  • Tuscaloosa County Credit Union
  • 2605 7th St, Tuscaloosa, AL, 35401
  • Tuscaloosa County Credit Union is a member owned and controlled financial cooperative. Our mission is to deliver satisfaction by helping our members attain or achieve financial success through personal commitment to each others "individual" needs. TCCU offers an array of services to meet your financial needs.
  • RiverFall Credit Union
  • 2520 6th Street, Tuscaloosa, AL, 35401
  • RiverFall Credit Union is a full-service, member owned financial institution that has been serving its members since 1953. Let us help you move forward with the financial future you deserve. You'll love our FREE Reward checking accounts and great rates on loans. We invite you to find your pace at RiverFall.
  • Mountain Commerce Bank
  • 6101 Kingston Pike, Knoxville, TN, 37919
  • In 2005, Bill Edwards, Jim Friddell, and the Mountain Commerce Bancorp board of directors had the vision to develop what would become one of the fastest-growing, state-chartered banks in Tennessee. By early 2006, Bill and Jim raised $35 million in capital for the new bank holding company, setting a state record.