USDA Vs. FHA your options comparison in Moody, St. Clair County, AL

In 2024, USDA loan limit in Moody, county of St. Clair, AL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Moody, county of St. Clair, 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 Moody, AL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Alabama?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Olive Tree Mortgage Solutions, Inc
  • 70 Leo M. Birmingham Pkwy, Brighton, MA, 02135
  • Olive Tree was designed to put your needs first. With us you will get a low rate, cutting edge technology & commitment and dedication throughout the loan process. Olive Tree Mortgage, your local Independent mortgage experts create the speed (quick) & pricing (lower rates and fees) only competition among the best lenders in the country can provide.
  • Brookline Bank
  • 2 Harvard Street, Brookline, MA, 02445
  • Brookline Bank is a full-service financial institution with more than 30 locations in Greater Boston & the North Shore. Whether online, mobile, or in person, Brookline Bank helps you manage your banking with a mix of tech, human touch, & solutions tailored to your life. We offer checking, savings, home equity lending, residential mortgages.
  • Value Mortgage Corporation
  • 11 Eldorado Road, Chelmsford, MA, 01824
  • As a mortgage broker with more than 20 years of experience, Value Mortgage has the dedication and know how to get almost any transaction done. Whether you’re refinancing your house or purchasing your very first home Value Mortgage Corporation can help you with all your home financing needs.
  • Endeavor Capital
  • 404 South Huntington Avenue, Jamaica Plain, MA, 02130
  • Endeavor Capital is a “unique requirements” private lender where every real estate loan represents a special situation. Although we welcome opportunities that come with sophisticated PowerPoint business plan presentations and exceptionally well-defined exit strategies, we are usually quite comfortable in simply discussing the real estate loan reque
  • Vermont VA Federal Credit Union
  • 1285 VA Cutoff Road, White River Junction, VT, 05001
  • Vermont VA Federal Credit Union has been open since 1939. It's the 12th largest credit union in Vermont with assets totaling $32.41 Million and providing banking services to more than 2, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services
  • Mascoma Savings Bank
  • 263 Maple Street, White River Junction, VT, 05001
  • Mascoma Bank is a mutually owned bank and not for sale. With no shareholders to please, we are committed to remaining independent and to re-investing profits in our community. Our first priority has always been—and always will be—you, our customers. We are different than other banks and give you the security of a long-term relationship.
  • ABINGTON BANK
  • 6 Harrison Avenue, Abington, MA, 02351
  • Abington Bank, part of the Hometown Financial Group banking family. We’re excited about all the great ways our bank can help you, your family, and your business unlock your potential. After all, for more than 100 years, it’s been our mission to deliver individualized financial support that ensures you can build a successful future.
  • Brookline Municipal Credit Union
  • 334 Washington Street, Brookline Village, MA, 02447
  • Founded in 1939, the Brookline Municipal Credit Union was formed by a group of people with a common bond – people who were principally interested in encouraging systematic savings and providing a source of low-cost loans, when members needed money. The philosophy and commitment to provide our members with savings accounts.
  • Alpha Mortgage & Financial Services Inc
  • 142 Main Street, Suite 219, Nashua, NH, 03060
  • Alpha Mortgage & Financial Services, Inc. and her staff have 25 + years experience in Finance, Real Estate, and helping borrowers acquire homeownership. Efstathia's mission is to serve her customers with honesty, integrity and competence and Her goal is to provide Residential & Commercial Financing to her clients.
  • Blue Door Mortgage
  • 440 Harvard Street, Brookline, MA, 02446
  • With 21+ years in the Mortgage Brokerage business, BDM has helped THOUSANDS of homeowners purchase or refinance their properties. It’s a big step to purchase a new home or refinance a current mortgage loan – know that you can rely on Blue Door Mortgage to find the best loan program for you.