USDA and FHA Pro and Con 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.
We at Syntax Mortgage, are completely independent mortgage brokers and our directory of lenders gives you all the options needed to purchase and/or refinace you home. Our goal is to provide access to various types of home loans with competitive interest rates. We get you into the right loan at a great price, fast.
"At Southeast Florida Residential Mortgage Corp, we understand that our clients have unique needs. For this reason, we provide on-on-one service to determine the most suitable mortgage solution for our clients’. We offer a variety of loan products to clients throughout Florida Conventional Loan
Federal Housing Administration (FHA) Loan"
BMS is a Privately Owned, Family Run Mortgage Banking Firm that was founded in 1987. BMS, as a Mortgage Banker, has an assortment of mortgage programs that will benefit your needs. We are an approved Government Lender allowed by HUD (US Department of Housing and Urban Development.)
Security National Bank of Enid is a commercial bank and trust company (accepting deposits) chartered under the National Bank Act. and Security National Bank offers a wide range of loan types with terms and conditions structured to meet individual business’s needs. These types include Term Financing, Construction Financing.
13205 Sunfield Terrace, Fort Washington, MD, 20744
We are a full-service mortgage company for first-time homebuyers servicing MD, Washington DC, VA, and FL. We specialize in Residential Real Estate Loans with options to UNLOCK YOUR DREAMS.What makes Your Mortgage Genie unique is we strive to meet individual goals by offering customized products and investment tools to service your individual goal
10009 Indian Queen Point Road, Fort Washington, MD, 20744
Potomac Trust Mortgage we are committed to providing customers with the best service and rates available. We are a local company who’s professional staff goes above and beyond to assist our clients with the entire loan process. Our goal is to make the loan process as simple and stress-free as possible.
At CFN Mortgage Capital, we consistently provide an exceptional customer experience by delivering superior mortgage financing solutions by a well-trained and talented staff of industry professionals. CFN takes advantage of the latest innovative advances in technology, making the financing process more efficient and cost effective.
Our team of mortgage brokers are committed and our certainty of execution is what sets us apart and is at the heart of everything we do – from innovating in simplifying due diligence to streamlining loan documents. Borrowers can expect nothing less than personal service from in-market experts who can and will deliver solutions for any deal.
10300 Southwest 72 Street, Suite 465, Miami, FL, 33173
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.
