USDA and FHA Pro and Con in Sumiton, Walker County, AL
In the year 2026, the USDA loan cap for Sumiton, located in Walker County, AL, is $336,500, while the FHA loan limit for a single-family house is $472,030.
Make use of the Lendersa® USDA loan calculator to contrast the top USDA and FHA rates available today. This tool helps in determining the necessary income, credit score, reserves, and documentation required to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, aiding you to decide the best program for your financial situation in Alabama.
Loan Limits and Down Payment Requirements in Sumiton, Walker County, AL for 2026
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Sumiton, AL
The aim of Lendersa® is to secure for you the most advantageous USDA or FHA loan rapidly and without complications. Choose one of three options to connect with matching lenders and find the best USDA loan programs available.
The USDA home loan, backed by the U.S. Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. Available exclusively in designated rural areas, the USDA loan requires no down payment, in contrast to FHA loans that necessitate at least a 3.5% down payment.
Casita Capital is a small independent mortgage that provides real estate financing within the State of Texas for individuals and businesses that are looking for alternative financing. Our clients are generally looking for specific financing terms, are not able to qualify for traditional financing or have had their financing fall apart at the last.
In 1905, our Bank was founded with a commitment to be the best Hometown Bank and serve the needs of the local community. As our community has grown, so have we. A lot has changed over the years, but our commitment has not. We’re proud to be a local, independent community bank, and we’re here to deliver our best for you.
Atlantic Home Loans was founded by experienced and respected mortgage banking professionals with over 100 years of combined experience, and has been offering clients superior mortgage advice with personalized service since 1999. Today, AHL is licensed in over 20 states and employs over 250 people who are dedicated to delivering the best loan
28 Bloomfield Ave, Suite 302, Pine Brook, NJ, 07058
Stratton Equities is the Leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed. No Upfront Fee's, No Junk Fee's No Tax Returns.
28 Bloomfield Avenue, Ste 302, Pine Brook, NJ, 07058
Stratton Equities is the leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed. Learn how you can purchase an Investment Property with Strat
The Entertainment Industries Federal Credit Union was established to provide quality financial services to members who share our common bond. We will serve our SEG's and promote community development by providing services toward improving the social and/or economic conditions of low income residents in our field of membership.
Seaport Federal Credit Union is a member owned, not-for-profit financial cooperative institution. We are dedicated to providing quality financial products and services, delivered in a professional, courteous and timely manner. Unlike other types of financial institutions, which need to generate profits in order to satisfy stockholders.
Union County Employees Federal Credit Union offers a savings account, Christmas and Vacation clubs as well as various loans to provide you with an easy way of savings & managing your hard-earned money. The Credit Union provides members with the convenience of having money withdrawn from your paycheck & deposited directly into your savings account.
The Wakefern Federal Credit Union was established in 1962. Our current field of membership includes all Wakefern Food Corporation employees and its wholly-owned subsidiaries, Food Haulers, Inc. National Transport Services Company, all PriceRite store employees as well as ShopRite store employees if their owners have signed up with the Credit Union.
