USDA and FHA Pro and Con in Sumiton, Walker County, AL
In the year 2025, 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 2025
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.
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