USDA Vs. FHA your options comparison in Warrior, Jefferson County, AL

In the year 2025, within Warrior located in the county of Jefferson, AL, the USDA loan cap is $336,500, whereas the FHA ceiling is $472,030 for a home designed for a single family.

Utilize the Lendersa® USDA loan calculator to contrast today's leading USDA and FHA rates. This tool will help you determine the necessary income, credit standing, reserve requirements, and documentation for eligibility. Our sophisticated mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA offerings, aiding you in choosing the best program for your financial situation in .

Compare offers from a selection of 100 lenders

2025 Lending Thresholds and Required Down Payments in Warrior, Jefferson, AL

Loan Type Maximum Loan Amount Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Financing Options in Warrior, AL

At Lendersa®, our mission is to promptly secure you the most advantageous USDA or FHA loan without any inconvenience. You can begin with one of three options, each tailored to connect you with suitable lenders and USDA loan schemes.

Lendersa's USDA loan submission and matching results

Understanding USDA Loans in AL

A USDA home loan, endorsed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is solely available in rural zones. Contrasting with FHA loans that necessitate a minimum down payment of 3.5%, USDA loans mandate no down payment whatsoever.

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



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