FHA VS Conventional loan programs in Birmingham, Jefferson County, Alabama

As of 2025, 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.

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 2025 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, 35214, 35215, 35217, 35210, 35211, 35212, 35213, 35243, 35242, 35224, 35221, 35222, 35228, 35203, 35207, 35206, 35205, 35204, 35209, 35208, 35254, 35068, 35061, 35234, 35235, 35233, 35201, 35202, 35220, 35232, 35237, 35238, 35246, 35249, 35255, 35259, 35261, 35270, 35282, 35283, 35285, 35287, 35290, 35291, 35292, 35294, 35295, 35297, 35298

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.

Lendersa USDA loan request and matching results


  • Flexi-View Lending
  • 2029 Century Park E, Los Angeles, CA, 90067
  • Discover Flexi-View Lending—your trusted financial partner! With a dedicated team led by Jesse Low, we empower clients through personalized lending solutions. Whether you're purchasing a new home or refinancing, our tailor-made services adapt to your financial goals. Contact us at [email protected] for advice that transforms dreams into re
  • Scott Griffin Financial
  • 1999 Avenue of the Stars, Suite 1100, Los Angeles, CA, 90067
  • Scott Griffin Financial Management Solutions specializes in high-end residential mortgages, offering loans in California. The brokerage caters to high-net-worth individuals to offer 'A' Paper Jumbo Loans through concierge-grade, specialized service.Scott Griffin Financial is one of only a small number of brokerages that can offer the patented.
  • Guzzo & Co Inc.
  • 2029 Century Park E, Suite 400 Office 487, Los Angeles, CA, 90067
  • "Led by the Guzzo's family for over five generations in Europe, Guzzo & Co has been primarily associated with merchant activities. Started as an investment company in Italy, Guzzo & Co has expanded its presence in North America with a Mortgage Lending division and continues today to be an active independent investment firm"
  • American Trust Financial
  • 1880 Century Park East, Suite 412, Los Angeles, CA, 90067
  • With Over 30 Years of Combined Experience, Our Team has the Knowledge and Expertise to Ensure Professional, Accurate, High-Quality Service. We can give you an answer within 24 hours to see if you qualify for financing even if you have been turned down by other lenders. We put together a repayment plan with our borrowers that works for them.
  • Hard Money Go - Direct Hard Money Lenders
  • 10100 Santa Monica Blvd. #300, Los Angeles, CA, 90067
  • Hard Money Go specializes in residential and commercial hard money lending throughout Southern California. As the largest single source of private money, we have the ability to fund hard money loans within 10 business days and can get your deals closed under strict time deadlines.
  • Century City Mortgage
  • 1801 Century Park East #1101, Los Angeles, CA, 90067
  • Century City Mortgage is a full service mortgage brokerage operation that provides financing across almost all real estate categories. Our goal has been to provide property owners of all levels with not just financing, but long term strategy advice for their particular situation.
  • Archway Funding
  • 1875 Century Park East, Suite #900, Los Angeles, CA, 90067
  • Archway Capital is an alternative investment manager that provides short-term, bridge financing secured by commercial and residential real estate nationwide. Archway and it's affiliated funds have over 600MM in AUM. Archway offers quick, reliable and flexible lending solutions to help real estate sponsors meet their investment objectives.
  • Security Bancorp
  • 23504 Lyons Ave Suite 103B, Santa Clarita, CA, 91321
  • Security Bancorp is a family owned company that has been serving California residents for more than 25 years. Security Bancorp is licensed by the California Department of Real Estate and is equipped with knowledgeable mortgage experts that provide excellent and quality service to our consumers.
  • Privileged Realty & Financing
  • 13455 Ventura Boulevard, Suite 241, Sherman Oaks, CA, 91423
  • Privileged Realty & Financing We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Mortgage Capital Lending Inc.
  • 14044 Ventura Boulevard, Suite 308, Sherman Oaks, CA, 91423
  • At MCap Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Executive Realty & Finance
  • 13701 Riverside Drive, Suite 205, Sherman Oaks, CA, 91423
  • Our main goal is to provide you with the best customer service and to do what it takes to keep our clients satisfied with our services. We always have your best interest in mind. We have a great market strategy in order to execute the sale of your property in timely manner. We are a full service real estate firm working with you and for you.