FHA Vs. USDA loan program for Sheffield, Colbert County, Alabama

In 2026, within Sheffield, Colbert County, AL, the USDA loan limit is valued at $336,500. Conversely, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the best rates available today between USDA and FHA loans. Determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program for your financial context in .

USDA and FHA Loan Options in Sheffield, AL

The objective of Lendersa® is to connect you promptly with the most favorable USDA or FHA loan, simplifying the process. Choose one of three initial pathways that lead you to suitable lenders and USDA loan programs.

Understanding USDA Loans in AL

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is accessible exclusively in rural areas. In contrast to FHA loans that require a minimum down payment of 3.5%, USDA loans do not require a down payment.

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(970) 242-2288 Lender's profile and map Reviews W.C. Mortgage Inc. 803 White Avenue, Grand Junction, CO, 81501 At W.C. Mortgage Inc., we have a saying here, "Mobiles to Mansions," whether you are buying a manufactured house in a mobile home park or a mansion on acreage we have a competitive program for you. We have been in business for over a decade as a small personable brokerage that has grown throughout the years by being true to our customers.
(207) 487-5576 Lender's profile and map Reviews Sebasticook Valley Federal Credit Union of Maine 505 Somerset Avenue, Pittsfield, ME, 04967 Our Mission is To support our local community with valuable services, in a friendly atmosphere, with caring employees who are committed to upholding the credit union philosophy. Sebasticook Valley Federal Credit Union is Not for profit, not for charity, but for service. SVFCU expanded their field of membership to include all of Penobscot, Somerset.
(970) 243-1370 Lender's profile and map Reviews Grand Junction Federal Credit Union 633 24 Road, Grand Junction, CO, 81505 GJFCU provides the following, competitive services to the community: low-balance savings accounts, free checking accounts, share certificates, IRA certificates, direct deposit, wire transfers, payroll deduction, debit cards, Visa credit card – no annual fee, pre-paid debit & travel cards, gift cards, money orders, low interest loans.
(970) 639-2231 Lender's profile and map Reviews Grand Valley Home Loans 1822 L Road, Fruita, CO, 81521 Mickie Fisher Rogers is the owner of Grand Valley Home Loans a recognized leader in the mortgage industry. Being a Fruita, Colorado Native, she and her family have strong roots in the Western Slope. Known for consistently delivering the best home buying experience, Mickie is passionate, genuine & always has her borrower’s best interest at heart.
(970) 675-2372 Lender's profile and map Reviews Rio Blanco Schools Federal Credit Union 402 W. Main Street, Suite 139, Rangely, CO, 81648 In 1959 Rio Blanco Schools Federal Credit Union began by the teachers for the teachers to serve the Rangely School District and the Meeker School District. Through the years the scope of our membership has grown. We now accept membership of those who are employees and family members of Rangely and Meeker School Districts.
(307) 684-5591 Lender's profile and map Reviews Buffalo Federal Bank 106 Fort Street, Buffalo, WY, 82834 In the late 1880's and early 1900's several associations were organized to make loans on homes and business property and to accept people's savings. Some of the names of these associations were Home Building and Loan Association, Johnson County Building and Loan Association and Buffalo Building and Loan Association.
(307) 684-2211 Lender's profile and map Reviews First Northern Bank of Wyoming 141 S. Main St, Buffalo, WY, 82834 First Northern Bank of Wyoming was founded in 1885 on the bedrock principle that our success would be solely dependent on that of our community and customers. From our origins in a humble, wood frame building with a starting capital of $50, 000, to our continuous growth throughout the last century.
(207) 924-5544 Lender's profile and map Reviews Maine Highlands Federal Credit Union 73 Main Street, Dexter, ME, 04930 Maine Highlands Federal Credit Union is a proactive, member-owned cooperative whose purpose is to provide personal service & shared value, while maintaining its financial stability & integrity. Serving all of Piscataquis, Penobscot & Somerset counties, MHFCU is proud to offer members a variety of quality banking services.
(800) 411-7590 Lender's profile and map Reviews Dakota West Credit Union 340 Main St, Watford City, ND, 58854 Dakota West Credit Union is dedicated to helping our members grow with comprehensive, competitive financial products partnered with personal, professional service. It is our vision to deliver consistently the essential financial services in the communities we serve that promote agriculture and commerce while improving the quality of our members.
(207) 945-6264 Lender's profile and map Reviews Changing Seasons FCU 115 Mecaw Road, Hampden, ME, 04444 People often say the only constant in life is change. But as a member of Changing Seasons Federal Credit Union, you’ve got another constant: us. We’re here to help you embrace whatever life brings your way, with the financial products you need, the ease of access and mobile technology you want, and the personal service you deserve.
(207) 862-6500 Lender's profile and map Reviews Maine Savings Federal Credit Union 101 Western Ave, Hampden, ME, 04444 Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range of financial services. Maine Savings is federally insured by NCUA. Maine Savings is an Equal Housing Lender. Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range.
(207) 862-2876 Lender's profile and map Reviews CUSO Home Lending 101 Western Ave, Hampden, ME, 04444 CUSO Home Lending is a licensed mortgage company owned by Maine credit unions. We have been originating and servicing mortgages since 1993. Our mission is to provide consumers—credit union members as well as non-members—with a full menu of competitively priced residential mortgage products with extraordinary courtesy and exceptional service.