USDA Loan Vs. FHA loan for Theodore, AL 2026

In 2026, 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 .

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.

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Theodore Lenders
(251) 342-1472 Lender's profile and map Mobile Postal Employees Credit Union 800 Downtowner Loop West, Mobile, AL, 36609 Lends in Alabama Mobile Postal Employees Credit Union was established July 1st, 1949 to serve the needs of Postal Workers and their families. Like all credit unions, we are a nonprofit, member-owned financial institution. Unlike a bank, we do not operate for profit. Any profit earned by the credit union is returned to the members in the form of dividends.
(251) 316-0000 Lender's profile and map Azalea City Credit Union 5662 Cottage Hill Rd, Mobile, AL, 36609 Lends in Alabama Azalea City Credit Union currently serves the financial needs of Mobile, Baldwin, Washington and Clarke County residents and those that work, attend school or worship in these counties. At Azalea City Credit Union, we are committed to providing our members with quality financial products and exceptional service.
(251) 666-8998 Lender's profile and map AFC Mortgage 4266 Cottage Hill Rd, Suite 6, Mobile, AL, 36609 Lends in Alabama AFC Mortgage wants to be your lender that can design a program that fits your particular home financing needs both now and in the future. Our rates are very competitive and we have a wide variety of financing options available to you. Our affiliation with numerous lenders allows AFC Mortgage the potential to save you thousands of dollars
(251) 660-5025 Lender's profile and map MAGNOLIA MORTGAGE COMPANY 1550 S. University Blvd, Mobile, AL, 36609 Lends in Alabama In an increasingly centralized business environment — where the main office may be hundreds of miles away in another state — it's reassuring to know that there are still truly "home-owned" companies. Magnolia Mortgage Company has been making a name for itself in the Mobile area since 1990.
(251) 650-0805 Lender's profile and map Mortgage Team 1, Inc 6336 Piccadilly Square Dr, Mobile, AL, 36609 Lends in Alabama Our family at Mortgage Team 1 is committed to providing our clients with the highest quality financial services. Our professional Mortgage Planners will work with you one on one to ensure that you get a financial plan that is tailored specifically to meet your mortgage needs. Whether you are purchasing your dream home,
(251) 473-4712 Lender's profile and map Mobile Educators Credit Union 3150 Airport Blvd, Mobile, AL, 36606 Lends in Alabama Mobile Educators Credit Union was established in 1954 to provide financial services to faculty & staff of the Mobile County School System. Since 1954 we have grown to more than 9,000 members & expanded our field of membership to include anyone who lives, works, or attends school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington Counties.
(251) 639-1460 Lender's profile and map Azalea City Mortgage Inc. 1120 Hillcrest Rd, Suite 2D, Mobile, AL, 36695 Lends in Alabama The Azalea City Mortgage Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
(251) 316-3240 Lender's profile and map New Horizons Credit Union 6320 Airport Boulevard, Mobile, AL, 36608 Lends in Alabama New Horizons Credit Union, formerly Scott Southern Division Employees Credit Union and Scott Credit Union, is a not-for-profit, member-owned financial cooperative that has been providing financial services to our members 1950. We are governed by a member-elected, volunteer Board of Directors.
(334) 598-4411 Lender's profile and map All In Credit Union 6631 Airport Blvd, Mobile, AL, 36608 Lends in Alabama At All In Credit Union, we pride ourselves on providing exceptional member service. For your security, please DO NOT provide account details or other personal information on our Facebook page or in a private Facebook message. If you need help with your account or have a concern, we want to help.