USDA Loans in Alabama

As an approved USDA Home Lender, Consumer Real Estate is excited to bring the option of 100% financing, no money down loans to the citizens of Alabama. At the Consumer Real Estate we realize that many citizens of the proud Yellowhammer state are limited by the options of a traditional home loan. This is what makes the USDA Loan program so exciting. These government backed loans, with their flexible credit limits and low interest rates, are making the dream of homeownership become a reality for many of Alabama’s residents.

Advantages of USDA Home Loans include:

• No Maximum Loan Amount on Alabama Property
• Flexible Credit Guidelines for Qualifying Alabama Residents
• Low Fixed Interest Rates
• Both New and Existing Properties May Qualify

Alabama Areas that Qualify for a USDA Loan

There are some restrictions placed on property eligibility. For instance, in order to qualify for a USDA Loan, the property in question must be located within an approved area.

The good news is that while eligible USDA homes are restricted to rural areas, there is a surprisingly large number of qualifying areas located throughout the great state of Alabama – some of which lie directly outside of major cities like Huntsville and Montgomery. Qualifying area property guidelines include:

  • Being located outside a major metropolitan area
  • Having a population of less than 20,000 residents

For more info, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Alabama’s USDA Loan Income Limits by County

Another limit placed on qualifying for a USDA loan includes income. As noted by the chart below, your yearly income cannot exceed the amount set by the USDA for the county in which you are purchasing property:

County Name                 

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

AUTAUGA

$73,600

$97,150

MONTGOMERY, AL (MSA)
BALDWIN

$73,600

$97,150

DAPHNE-FAIRHOPE, AL (MICRO)
BARBOUR

$73,600

$97,150

EUFAULA, AL-GA (MICRO)
BIBB

$73,600

$97,150

BIRMINGHAM-HOOVER, AL (MSA)
BLOUNT

$73,600

$97,150

BIRMINGHAM-HOOVER, AL (MSA)
BULLOCK

$73,600

$97,150

NON-METRO
BUTLER

$73,600

$97,150

NON-METRO
CALHOUN

$73,600

$97,150

ANNISTON-OXFORD, AL (MSA)
CHAMBERS

$73,600

$97,150

VALLEY, AL (MICRO)
CHEROKEE

$73,600

$97,150

NON-METRO
CHILTON

$73,600

$97,150

BIRMINGHAM-HOOVER, AL (MSA)
CHOCTAW

$73,600

$97,150

NON-METRO
CLARKE

$73,600

$97,150

NON-METRO
CLAY

$73,600

$97,150

NON-METRO
CLEBURNE

$73,600

$97,150

NON-METRO
COFFEE

$73,600

$97,150

ENTERPRISE-OZARK, AL (MICRO)
COLBERT

$73,600

$97,150

FLORENCE-MUSCLE SHOALS, AL (MSA)
CONECUH

$73,600

$97,150

NON-METRO
COOSA

$73,600

$97,150

ALEXANDER CITY, AL (MICRO)
COVINGTON

$73,600

$97,150

NON-METRO
CRENSHAW

$73,600

$97,150

NON-METRO
CULLMAN

$73,600

$97,150

CULLMAN, AL (MICRO)
DALE

$73,600

$97,150

ENTERPRISE-OZARK, AL (MICRO)
DALLAS

$73,600

$97,150

SELMA, AL (MICRO)
DE KALB

$73,600

$97,150

FORT PAYNE, AL (MICRO)
ELMORE

$73,600

$97,150

MONTGOMERY, AL (MSA)
ESCAMBIA

$73,600

$97,150

NON-METRO
ETOWAH

$73,600

$97,150

GADSDEN, AL (MSA)
FAYETTE

$73,600

$97,150

NON-METRO
FRANKLIN

$73,600

$97,150

NON-METRO
GENEVA

$73,600

$97,150

DOTHAN, AL (MSA)
GREENE

$73,600

$97,150

TUSCALOOSA, AL (MSA)
HALE

$73,600

$97,150

TUSCALOOSA, AL (MSA)
HENRY

$73,600

$97,150

DOTHAN, AL (MSA)
HOUSTON

$73,600

$97,150

DOTHAN, AL (MSA)
JACKSON

$73,600

$97,150

SCOTTSBORO, AL (MICRO)
JEFFERSON

$73,600

$97,150

BIRMINGHAM-HOOVER, AL (MSA)
LAMAR

$73,600

$97,150

NON-METRO
LAUDERDALE

$73,600

$97,150

FLORENCE-MUSCLE SHOALS, AL (MSA)
LAWRENCE

$73,600

$97,150

DECATUR, AL (MSA)
LEE

$73,600

$97,150

AUBURN-OPELIKA, AL (MSA)
LIMESTONE

$73,600

$97,150

HUNTSVILLE, AL (MSA)
LOWNDES

$73,600

$97,150

MONTGOMERY, AL (MSA)
MACON

$73,600

$97,150

TUSKEGEE, AL (MICRO)
MADISON

$73,600

$97,150

HUNTSVILLE, AL (MSA)
MARENGO

$73,600

$97,150

NON-METRO
MARION

$73,600

$97,150

NON-METRO
MARSHALL

$73,600

$97,150

ALBERTVILLE, AL (MICRO)
MOBILE

$73,600

$97,150

MOBILE, AL (MSA)
MONROE

$73,600

$97,150

NON-METRO
MONTGOMERY

$73,600

$97,150

MONTGOMERY, AL (MSA)
MORGAN

$73,600

$97,150

DECATUR, AL (MSA)
PERRY

$73,600

$97,150

NON-METRO
PICKENS

$73,600

$97,150

NON-METRO
PIKE

$73,600

$97,150

TROY, AL (MICRO)
RANDOLPH

$73,600

$97,150

NON-METRO
RUSSELL

$73,600

$97,150

COLUMBUS, GA-AL (MSA)
SHELBY

$73,600

$97,150

BIRMINGHAM-HOOVER, AL (MSA)
ST. CLAIR

$73,600

$97,150

BIRMINGHAM-HOOVER, AL (MSA)
SUMTER

$73,600

$97,150

NON-METRO
TALLADEGA

$73,600

$97,150

TALLADEGA-SYLACAUGA, AL (MICRO)
TALLAPOOSA

$73,600

$97,150

ALEXANDER CITY, AL (MICRO)
TUSCALOOSA

$73,600

$97,150

TUSCALOOSA, AL (MSA)
WALKER

$73,600

$97,150

BIRMINGHAM-HOOVER, AL (MSA)
WASHINGTON

$73,600

$97,150

NON-METRO
WILCOX

$73,600

$97,150

NON-METRO
WINSTON

$73,600

$97,150

NON-METRO

 

Remember, Consumer Real Estate is here to answer all your questions. For help applying for an Alabama USDA Loan, contact us today.