USDA Vs. FHA Pro and Con comparison in Theodore, Mobile County, AL

In 2025, the USDA loan limit for Theodore in Mobile County, AL is $336,500, while the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to examine and compare today's leading USDA versus FHA rates. Determine the necessary income, credit, and documentation to qualify. Our advanced mortgage tool provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you pinpoint the ideal program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Theodore, Mobile 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 Theodore, AL

The objective of Lendersa® is to swiftly connect you with the most appropriate USDA or FHA loan without any complications. Choose one of three methods to match with lenders offering USDA programs.

Lendersa USDA loan request and matching results

What is USDA Loan in AL?

A USDA home loan is guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans which require a 3.5% minimum down payment, USDA loans do not necessitate any down payment.

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



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