USDA and FHA Pro and Con in Tuscumbia, Colbert County, AL

In 2026, the USDA loan limit within Tuscumbia, located in Colbert County, AL, is $336,500. In contrast, the FHA cap for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the best current rates for USDA versus FHA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which program in aligns best with your financial situation.

Examine loan offers from a variety of 100 lenders

2026 Loan Limits and Down Payment Requirements in Tuscumbia, Colbert, 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 Tuscumbia, AL

Lendersa® aims to promptly connect you with the most suitable USDA or FHA loan without hassle. Choose one of three starting options to be matched with lenders and USDA loan programs.

Outcomes from Lendersa USDA loan request

Explaining USDA Loans in AL

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and available only in rural neighborhoods. Unlike FHA loans, which need a minimum down payment of 3.5%, USDA loans require no down payment.

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



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