Explore the differences! FHA VS Conventional loan programs in Birmingham, Jefferson County, Alabama

As of 2026, the limit for Conventional loans in the county of Jefferson, Birmingham, AL stands at $726,200, whereas the FHA limit for a single-family residence is $472,030.

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With the Lendersa® Conventional loan calculator, you can explore and compare the prevailing rates for Conventional, FHA, and USDA loans. Assess the necessary income, creditworthiness, financial reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows you to view Conforming Conventional loans side-by-side with USDA, FHA, and VA options, guiding you to select the best program suitable for your financial needs in AL.

Evaluate loan offers from 100 distinct lenders

The 2026 loan limits and down payment requirements for Birmingham, county of Jefferson in AL

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

This comparison relates to zip codes: 35218

Choices for Conventional and FHA loans in Birmingham, AL

Lendersa® aims to provide you with the optimal USDA, FHA, or Conventional loan options quickly and with ease. Start with any of the three options that help connect you with the right lenders and programs.

  1. Submit a comprehensive loan request with Conventional/USDA/FHA optimization
  2. Research Conventional USDA and FHA rates & terms initially
  3. Browse through the extensive database of Conventional lenders
Lendersa USDA loan request and matching results



  • LUSO FEDERAL CREDIT UNION
  • 599 East St, Ludlow, MA, 01056

  • LUSO Federal Credit Union, is a member owned, not-for-profit financial cooperative, providing many services to you. We have checking accounts, savings accounts, mortgages, auto loans, refinancing and more with two Western MA branch locations in Ludlow and Wilbraham. We are dedicated to providing access to affordable credit and banking services

  • Jewett City Savings Bank
  • 111 Main Street, Jewett City, CT, 06351

  • Jewett City Savings Bank is a community bank providing financial services to consumers & businesses in eastern Connecticut. The Bank currently operates 7 full-service offices along the I-395 corridor in Jewett City, Brooklyn, Dayville, Plainfield, Preston, Putnam & in Pawcatuck. Founded in 1873. Member of the Federal Deposit Insurance Corporation.

  • UMassFive College Federal Credit Union
  • 200 Westgate Center Dr, Hadley, MA, 01035

  • At UMassFive, we know that your success is our success. We are member-owned and member-run, which means a healthy local economy and a strong community is good for business—both ours and yours. As such, our Commercial Services division is designed to help your business grow and adapt with every evolving need, because when you win we all win.

  • Monson Savings Bank
  • 146 Main Street, Monson, MA, 01057

  • Monson Savings Bank is a community bank that has served local residents and businesses since 1872. We are proud to play an integral role in the communities we serve, contributing to the progress and success of the area. We have a deep connection and understanding of the local landscape which allows us to appreciate everything that makes it so great

  • Mid Central Federal Savings Bank
  • 520 South Jefferson St, Wadena, MN, 56482

  • Mid-Central National Bank has been a partner in this area’s progress since 1957. We have helped consumers and businesses alike to prosper for over 50 years by providing superior services to our customers. Our staff of experienced professionals will respond to your financial needs in a timely and effective manner.

  • The First National Bank of Hugo
  • 321 4th Street, Hugo, CO, 80821

  • The First National Bank Of Hugo is a branch office of The First National Bank Of Hugo. They provide the following services: Full Service Office Location and are located at 321 4th Street in Hugo Colorado.

    Mobile and traditional directions to this location can be found below along with ratings

  • Franklin First FCU
  • 57 Newton Street, Greenfield, MA, 01301

  • Franklin First began in 1958 as four separate credit unions: Franklin County Public Hospital FCU, Franklin County Teachers FCU, Lunt Silversmiths, and Greenfield Tap & Die Credit Union. As the years went on, they became united by common goals and the desire to offer updated services for their members.

  • Great Meadow Federal Credit Union
  • 26 East Main Street, Granville, NY, 12832

  • Great Meadow Federal Credit Union is a Financial Services company serving Warren, Washington and Essex Counties in New York, as well as Addison, Bennington and Rutland Counties in Vermont for over 60 years. BauerFinancial 5Star rated for over 25 consecutive years.

    We are a not-for-profit cooperative financial institution serving

  • Country Bank For Savings
  • 75 Main Street, Ware, MA, 01082

  • We are a state-chartered 1.7 billion-dollar mutual savings bank with offices in central and western mass. We've gone above and beyond for our customers since 1850. We value respect, courtesy, and excellence in service above all. As a mutual bank, we answer our customers first, not to investors.

  • Miners National Bank of Eveleth
  • 401 Grant Ave, Eveleth, MN, 55734

  • The Miners National Bank of Eveleth is an independent, family-owned, community bank located in downtown Eveleth. Established in 1903, we are a full service institution specializing in personalized service for all your personal and business needs. To help you keep up with the fast pace of the world today, we offer you access to your account info.

  • Atlantic Mortgage & Finance Corporation
  • 94 Main Street, Wakefield, RI, 02879

  • 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.
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