USDA Vs. FHA your options comparison in Jefferson, Jefferson County, LA
As of 2026, the USDA loan maximum in Jefferson, Jefferson county of LA, is set at $336,500. In contrast, the FHA limit for a single-family home comes in at $472,030.
By utilizing the Lendersa® USDA loan calculator, you can compare the top-rated USDA and FHA rates today. It's designed to help you identify the income, credit score, reserves, and documentation necessary for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, guiding you to the optimal program for your financial scenario in .
Loan limits and down payment requirements for 2026 in Jefferson, Jefferson county of LA
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 opportunities in Jefferson, LA
Lendersa® aims to provide you with the most advantageous USDA or FHA loan options swiftly and with minimal inconvenience. Kickstart the process by choosing one of the three options available, leading to compatible lenders and USDA loan programs.
A USDA home loan comes with a government guarantee from the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage. It's particularly available within rural areas. Unlike FHA loans which require at least a 3.5% down payment, a USDA mortgage demands no down payment whatsoever.
NAECU was established in 1955 to serve employees of the local Huntsville educational community and has expanded over the years. The credit union now serves over 10,500 members and has accumulated over $82,000,000 in total assets. NAECU follows the philosophy of "Not for Profit, not for Charity, but for Service".
At Merit Bank, our mission is to empower employees to think and serve our customers with an ownership mentality so that we may always stay true to our name.
To receive more information about Merit Bank or any of our services, please call us at 256-692-8700, To call a branch directly, please visit the Locations page for branch numbers.
Founded in 2005, Bryant Bank proudly operates 18 branches located in five of the six largest metropolitan markets in the state of Alabama: Huntsville, Birmingham, Tuscaloosa, Mobile, and Baldwin County. We offer personal, business, and mortgage banking services as well as Treasury Management Services, Correspondent Banking, and Capital Markets.
Whether you are refinancing or purchasing a home, VA mortgage Alabama can save you thousands! We do this by receiving fixed compensation from our lenders (compensation that is not driven by interest rates). This allows us in most cases to eliminate origination fees and absorb 3rd party fees by giving back the market premium.
The 1st Family Mortgage Company team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
100 Jefferson Street South, Suite 100-B, Huntsville, AL, 35801
"Lawhorn & Associates, a mortgage brokerage company, can get the lowest mortgage rate on loan products for Conventional, FHA, VA, USDA and Reverse mortgage financing.
We post the current rates daily. We specialize in getting the lowest 30-year and 15-year fixed rates. We have many mortgage resources and tools to assist in your financing"
Southern Fidelity Mortgage Group was founded in 2006 by Huntsville native, Mark Kent. Since the beginning, we have focused on one goal: giving our customers the best, most competitive options when looking to purchase, build or refinance their home while providing the highest level of customer care and service.
"Redmond Lending Group is a one stop shop for all your home & business loan needs. From purchasing your first home, buying investment property, or acquiring a new business. RLG wants to help. To provide the lowest rates and fees in our community; to save our clients the most money possible. Cutting out all the red tape and hassle,"
