USDA Vs. FHA Pro and Con comparison in Tuscaloosa, Tuscaloosa County, AL
For the year 2025, the USDA loan limit in Tuscaloosa, situated in Tuscaloosa county, AL, is established at $336,500, as opposed to the FHA limit of $472,030 for a single-family home.
Utilize the Lendersa® USDA loan calculator to weigh today's optimal USDA and FHA rates. It assists in determining the required income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side-by-side to identify which program best suits your financial circumstances in .
Loan Limits and Down Payment Criteria for 2025 in Tuscaloosa, Tuscaloosa County, AL
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 Choices in Tuscaloosa, AL
The mission of Lendersa® is to seamlessly provide you with the most advantageous USDA or FHA loan promptly. Choose one of three initial methods that align lenders with the USDA loan offerings.
A USDA home loan, backed by the U.S. Department of Agriculture, is alternately referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural regions. Unlike FHA loans that demand a 3.5% minimum down payment, the USDA mortgage requires none.
1st Legacy Capital was founded by Ken Freshwater & Andy Shurden in 2016. After nearly 40 years of combined mortgage experience, Ken & Andy formed 1st Legacy Capital LLC to provide consumers in Mississippi the premier resource for Mississippi Reverse Mortgage Loans. 1st Legacy is located in Starkville Mississippi & serves consumers state wide.
We pride ourselves on making Alabama mortgages easy. Whether you're a first-time homebuyer or looking to save on your current mortgage, we can help. There’s a reason why we have a 99.9% customer retention rate. When you get your mortgage with us, we get you the lowest rates and we let you know when you can refinance and save.
Valley State Bank is a locally owned and operated bank that was formed with one simple operating principle: To provide the members of our community with the best financial services to help them achieve their financial goals.Our staff here at Valley State Bank has decades of experience in banking.
Community Spirit Bank was the town of Red Bay’s first bank. We opened with the name Bank of Red Bay on June 11, 1908 in the Red Bay Hotel. Our roots run deeper than any other business in this community. We pride ourselves on being a true community bank and serving the citizens of our communities.
CB&S Bank is a leading community Bank with over $2 billion in assets, headquartered in Russellville, Alabama. We operate 56 branches in the Alabama, Mississippi, and Tennessee markets and employ more than 500 people. We are a local, community Bank with proven success and staying power.
The Bank of Okolona is a hometown bank that has been serving Chickasaw County and the surrounding area for over 75 years. Whether it is a personal deposit account or a business loan that brings you to the Bank of Okolona, we can help. We hope this website and its contents will be helpful with your banking from home or the office.
Family Security Credit Union offers many convenient online services from their website 24 hours a day. Family Security Credit Union's online banking allows members to save time and money with online bill pay, check account balances, order checks, make loan payments, view e-Statements.
Founded in 1848, FNB is the oldest continuously operating bank in the state of Alabama.
We are proud to be a member bank of the FDIC and an Equal Housing Lender.
Our focus is on the Talladega, Lincoln and Munford communities in North Talladega county as well as the surrounding areas. We are a full service bank catering to both consumer
We started out in 1945, in a 748 sq. ft. building in the mill village of Sycamore and have expanded to now (2022) a 4,922 sq. ft. building that we own in Sycamore right off of Alabama Highway 21. This growth has been obtained because of management and because our employees treat members like family, not as numbers.
