USDA and FHA Pro and Con in Tarrant, Jefferson County, AL

In 2025, the USDA loan limit for Tarrant, which is in Jefferson County, AL, stands at $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA against FHA rates today, determining the income, credit limit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA choices side by side to help you decide which program is best for your financial situation in .

Review loan offers from a variety of 100 lenders

2025 Loan Limits and Down Payment Requirements in Tarrant, Jefferson, AL

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

Available USDA and FHA Loan Options in Tarrant, AL

The goal of Lendersa® is to connect you quickly and simply with the ideal USDA or FHA loan. Begin by choosing one of three paths that will match you with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in AL

A USDA home loan is guaranteed by the Department of Agriculture and is also known as the USDA rural development loan or USDA mortgage. This type of loan is accessible only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.

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



  • Peoples Trust & Savings Bank
  • 2201 N. Green River Rd, Evansville, IN, 47715
  • Peoples Trust and Savings Bank is the hometown bank with longstanding ties to the community, big enough to provide the resources and banking services our customers need and want, yet small enough to care about each customer. We're a "Main Street"​ bank, not a Wall Street financial institution, so we provide personalized customer service.
  • Evansville Teachers Federal Credit Union
  • 4401 Theater Drive, Evansville, IN, 47715
  • Evansville, like the rest of the country, was beginning to recover from the depths of the Depression in the mid-1930s when several teachers decided to pool their savings to generate much-needed loans for their fellow workers and themselves in 1936. The first employee groups to be served by Evansville Teachers Federal Credit Union
  • Mortgage Masters of Indiana
  • 501 N. Cross Pointe Blvd, Evansville, IN, 47715
  • Mortgage Masters of Indiana, Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Acceptance Home Mortgage, LLC
  • 101 Plaza East Blvd, Suite 232, Evansville, IN, 47715
  • Acceptance Home Mortgage, LLC, has built an excellent reputation serving the lending needs of individual home buyers, builders and real estate professionals throughout Indiana and Kentucky.We have over 150 years combined experience lending on the American dream, as well as being licensed in multiple states.
  • The Lending Mamba
  • 5101 E La Palma Ave Suite 204, Anaheim, Ca 92807, Anaheim, CA, 40110
  • I will get your loan FUNDED. Professional, Honest, and Persistent.Looking to turn your dream of homeownership into a reality? Look no further! Introducing The Lending Mamba's Home Loans tailored just for you. With The Lending Mamba, owning your dream home is easier than ever before. https://thelendingmamba.com/ Our dedicated team works tire
  • OneMain Financial
  • 601 N.W. Second Street, Evansville, IN, 47708
  • OneMain provides personal loans with one on one, local service at branches nationwide. Our personalized loan solutions offer customers a simple and straightforward loan application, fixed rates, fixed payments, clear terms and multiple payment options. Behind every great company is a great team. What we offer is simple
  • United Fidelity Bank
  • 18 N.W. Fourth Street, Evansville, IN, 47708
  • United Bank Downtown Banking CenterSince 1914, United Bank has been dedicated to building long term relationships with our customers. Our mission is to be the premier community banking institution providing financial services for our market, by surpassing customer's expectations and fulfilling community needs in a manner that enhances value.
  • Old National Bank
  • 1 Main St, Evansville, IN, 47708
  • Old National Bancorp is the largest financial services holding company headquartered in Indiana. With $24.0 billion in assets, we rank among the top 100 banking companies in the United States. Since our founding in Evansville, Ind., in 1834, we have focused on community banking by building long-term highly valued partnerships with our clients.
  • Olde Towne Mortgage
  • 132 Boone St, Suite 1, Jonesborough, TN, 37659
  • At Olde Towne Mortgage We work within the wholesale sector of the mortgage industry with access to hundreds of lenders so we're able to close MORE than just a cookie-cutter loan & at rates lower than retail. we offer Residential or Commercial loans, every borrower is different so we believe in having a mortgage portfolio that is as unique as you.
  • Ware County School Employees Federal Credit Union
  • 1301 Bailey Street, Waycross, GA, 31501
  • The Ware County School Employees Federal Credit Union was established in 1962. Our field of membership consists of employees and immediate family members of the Ware County Board of Education and Okefenokee RESA. The mission of WCSEFCU is to provide the highest quality of financial services and customer service to support the financial needs
  • McDowell CornerStone CU
  • 2031 Rutherford Road, Marion, NC, 28752
  • MCDOWELL CORNERSTONE CREDIT UNION is a not for profit organization whose ownership is made up from the members of the Credit Union. We have been in existence since March 1967 and located on 2031 Rutherford Rd Marion NC 28752. Along with our other services, we offer drive up window and night depository at this location.
  • Banterra Bank
  • 1501 US-45, Eldorado, IL, 62930
  • At Banterra, we’ve been proud to serve customers since 1975, providing local-style service from day one. We know that smart banking is about relationships and understanding our customer needs, and having an exceptional team on board to accomplish that. That’s why we’d like for you to get to know us, as well,