FHA VS Conventional loan programs in 2026 for Chelsea, Shelby County, Alabama

In the year 2026, the conventional loan limit in Chelsea, within Shelby county in AL, is set at $726,200. For single-family homes, the FHA limit is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's premier rates among Conventional, FHA, and USDA loans. Discover the necessary income, credit, reserves, and documentation required for qualification. Our advanced calculator allows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options, guiding you to choose the optimal program for your specific financial scenario in AL.

Explore loan offers from over 100 lenders

Loan limits and downpayment requirements in Chelsea, Shelby county, AL for 2026

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

This table is applicable for the following zip codes: 35051

Options for Conventional and FHA loans in Chelsea, AL

Lendersa® is dedicated to facilitating the swift and simple obtainment of optimal Conventional, USDA, or FHA loans. Start with one of three approaches to connect with suitable lenders and customized loan offerings.

Results for Lendersa USDA loan requests


  • Paradyme Mortgage Inc
  • 4380 Harlan Street, Suite 100, Wheat Ridge, CO, 80033
  • Paradigm (the original spelling of the word), has a meaning of being “worthy of duplication; standing out above the rest”. That was the philosophy at the onset of the founding of Paradyme, that we were above the rest, and well worthy of duplication. We are local, family owned mortgage company that really cares about your loan needs

  • Real Estate Loans Colorado
  • 225 Union Blvd, Suite 350, Lakewood, CO, 80228
  • At Real Estate Loans Colorado, 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.

  • Forward Mortgage Group
  • 225 Union Blvd, Suite 350, Lakewood, CO, 80228
  • The Forward Mortgage Group, our clients are our core. When Ryan Hillard founded The Forward Mortgage Group, he didn’t just want to connect buyers with their perfect mortgage. He wanted to empower and educate every person who walked through our doors. He founded our firm on the principles of caring for people as individuals.

  • Max Mortgage, LLC
  • 13701 W Jewell Ave, Suite 200-26, Lakewood, CO, 80228
  • Owning a home is the single largest investment most people will ever make, so we understand the importance of structuring your financing to yield the lowest possible cost of ownership. Since 1999 we've been committed to providing our customers the right loan product, low interest rates, and a smooth loan process.

  • Express Lane Mortgage: Tom Veitch
  • 225 Union Blvd, Suite 350, Lakewood, CO, 80228
  • At Express Lane Mortgage, we believe the home-buying process should be as stress-free as possible.

    From the painless online application, to the compassionate, expert advice, to the day we attend your closing with you, we communicate with you and your agent every step of the way

  • Colorado Capital Group LLC
  • 12081 West Alameda Parkway, Suite 173, Lakewood, CO, 80228
  • Colorado Capital Group is a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending. From purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates

  • Innovative Mortgage Group
  • 274 Union Blvd Suite, Suite 410, Lakewood, CO, 80228
  • At Innovative Mortgage Group our goal is not only to provide you with the best interest rates available, but we strive to make sure your experience here is one you’ll brag to your friends about. We specialize in conventional, VA, FHA and jumbo loans. Whether you're buying or refinancing, we have the perfect lenders for every residential loan.

  • Residential Capital Group LLC
  • 27404 Arrowhead Lane, Conifer, CO, 80433
  • Residential Capital Group was founded in 2000 . Over the last decade we have built a strong reputation as an outstanding mortgage broker among the lending community. We have achieved preferred status and honored recognition with our lending partners. Through continued education and intensive industry research

  • Guadalupe Credit Union
  • 3601 Mimbres Lane, Santa Fe, NM, 87507
  • Father Edward J. McCarthy established Guadalupe Credit Union in 1948, for the purpose of serving the parishioners of Our Lady of Guadalupe Church in Santa Fe. In the 1970's, GCU merged with St. Anne's Credit Union as well as with Health and Environment and Human Services Credit Union, and in 1985, Guadalupe Credit Union merged.

  • DNL Mortgage Authority Inc
  • 1064 E 17th Ave, Broomfield, CO, 80020
  • At DNL Mortgage Authority Inc., where we specialize in residential mortgages. At DNL Mortgage Authority Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Wyse Home Loans LLC
  • 6979 Coors Court, Arvada, CO, 80004
  • 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.

  • Mindful Mortgage Group
  • 1271 Banner Circle, Erie, CO, 80516
  • Kim Clancy has been working in the mortgage industry for over 17 years. She has seen the good, the bad, the ups, and downs, and has helped hundreds of families realize their dream of home-ownership. Kim is dedicated to educating her borrowers on the best scenario for their situation and keeps their best interest in the top of her mind.