USDA Vs. FHA Pro and Con comparison in Sylacauga, Talladega County, AL

For 2026, the limit for USDA loans in Sylacauga, located within Talladega county of AL, is set at $336,500. Meanwhile, the FHA loan limit for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to evaluate today's top USDA against FHA rates and assess the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, aiding you in selecting the best program for your specific financial circumstances in .

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2026 Loan Limits and Down Payment Requirements in Sylacauga, Talladega County, AL

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

USDA and FHA Loan Options in Sylacauga, AL

The aim of Lendersa® is to secure the optimal USDA or FHA loan swiftly and without difficulty. Start with one of three paths to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and results

Understanding the USDA Loan in AL

The USDA home loan, backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans demand no down payment at all.

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



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  • Financial Plus Credit Union Facebook Page where you will find the most recent information and news about the Credit Union. It is our goal to provide the public with the most recent happening at the Credit Union and our participation in the community and We do not allow solicitations or advertisements.
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