USDA VS FHA in Vestavia-Hills, Jefferson County, AL
In 2025, the USDA loan limit in Vestavia-Hills, located in Jefferson county, AL, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's prime USDA versus FHA rates. You can determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side-by-side, helping you decide which program in is most suited to your financial situation.
2025 Loan Limits and Down Payment Requirements in Vestavia-Hills, County of Jefferson, AL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Vestavia-Hills, AL
Lendersa® is committed to securing the best possible USDA or FHA loan for you efficiently. Choose one of three starting points that connect you with lenders and access USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture and also called a USDA rural development loan or mortgage, is solely available in rural locations. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA loans require no down payment whatsoever.
5686 Fulton Industrial Blvd, Suite 44601, Atlanta, GA, 30336
Fortunately, at Dynasty Financial Consulting, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
We see changes happening all around us. Progression is key to success, but there is something about the ability to adapt to those changes while also upholding our core values and traditions as a community bank. Constantly working to prepare for the future, we are certain that continuing to prioritize customer experience above all else is crucial.
Meridian Mutual FCU is a full-service financial institution, dedicated to serving our members. Originally charted in 1953 to serve the employees of the Meridian Public School System, over the years Meridian Mutual began to serve a much broader group. In October 1997, Meridian Mutual was granted a community charter enabling us
Originally, MUNA FCU was chartered in June 1962 as Meridian Naval Federal Credit Union & was for active military, retired military, & civil service Team Members affiliated with the Naval Auxiliary Air Station at Meridian. In October 1993, the name was changed to MUNA Federal Credit Union to reflect the uniting of the Meridian and Navy communities.
Citizens National Bank is 129 years strong, stable and secure with over $1.3 billion in total assets. As an independent community bank, we believe we have a major advantage over the one-size-fits-all policy of most mega banks and financial institutions. With 26 locations in Mississippi, the latest technology and innovative accounts and services.
1st MS can help you get the things you want now by offering low rates on your new or used purchase. Choose us for loans on motorcycles, boats, recreational vehicles, and farm equipment. We can also help you refinance your vehicle or equipment for a lower interest rate and monthly payment
For over 70 years, Farmers & Merchants Bank has been serving the communities of Northeast Mississippi. What started as the dream of a local group of businessmen in 1941 is truly a success story in the banking industry today.
Home owned and operated since 1941, Farmers & Merchants Bank prospers through a dedicated community.
At Tower Community Bank, we serve with integrity and purpose, lead by example and get involved because we want to make a difference. Putting service above all else, we try to create experiences that elevate people and communities.
We encourage you - our online community of friends, neighbors and customers - to look to the Tower for a higher
