FHA VS Conventional loan programs in Clanton, Chilton County, Alabama

In 2026, the Conventional loan limit for Clanton, within Chilton county, AL, is $726,200. For a single-family home, the FHA limit is $472,030.

Use the Lendersa® Conventional loan calculator to evaluate today's top rates across Conventional, FHA, and USDA loans. Learn what income, credit, reserves, and documents you need to qualify. This advanced mortgage calculator compares Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program for your financial situation in AL.

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2026 Loan Limits and Downpayment Requirements in Clanton, Chilton, AL

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

This table applies to zip codes: 35045, 35046

Explore Conventional and FHA Loan Options in Clanton, AL

Lendersa® is dedicated to swiftly obtaining the best Conventional, USDA, or FHA loan for you without hassle. Begin with one of three starting points to connect with matching lenders and loan programs.

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  • Savannah Bank National Association
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  • Savannah Bank is pleased to announce that, in accordance with the latest CDC guidance, face coverings will be optional for our fully vaccinated customers and staff beginning on June 1, 2021. Masks for those who have not yet been vaccinated are still required, and social distancing guidelines are still in effect.

  • American Land & Capital LLC
  • 16233 Kenyon Avenue, Suite 120, Lakeville, MN, 55044
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    AMERICAN LAND & CAPITAL services include New Home Construction Mortgages, etc

  • Garden State Mortgage Corp.
  • 160 Pehle Ave, Suite 301, Saddle Brook, NJ, 07663
  • Garden State Mortgage Corporation’s main focus is originating loans solely in NJ. Our goal is to offer competitive mortgage rates and fees while providing a level of service that exceeds our client’s expectations. This is why 65% of our mortgage loans are derived from previous customer referrals.

  • FIRST STATE BANK SOUTHWEST
  • 1433 Oxford Street, Worthington, MN, 56187
  • At First State Bank Southwest, we are truly a community bank and are very proud of that fact. With ownership and directors residing in the area, we can make decisions very rapidly and can be flexible and sensitive to the needs of our customers.

    The First State Bank Southwest was chartered in 1903 and now has offices in six locations to help.

  • Gold Ring Investments Inc
  • 0-40 Fair Lawn Parkway, Fair Lawn, NJ, 07410
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  • CITIZENS MORTGAGE CORPORATION
  • 26-01 Pellack Drive, FAIR LAWN, NJ, 7410
  • Founded in May 1987, Citizens Mortgage Corp is a family-owned and operated mortgage company that caters to first time home buyers and has been dedicated to serving the underserved communities. Our mission is to be the most efficient mortgage provider in the State of New Jersey, New York and Hawaii. We have been committed

  • MK Capital Funding
  • 3908 24th St Ste 5 ​​, Long Island City, NY, 11101
  • MK Capital Funding is a one-stop lending company that focuses on investor’s needs and goals. We place “customers first” and do everything possible to provide great service, competitive rates and terms; as well as advice. We understand that projects are complex and that the lending process can be confusing sometimes.

  • EZ Short Sales
  • 3302 Skillman Ave, 2nd Floor, Long Island City, NY, 11101
  • EZ Short Sales connects home owners and buyers with specialized short sale specialists in their local market area. Users can search any city nationwide and quickly compare the local specialists, and choose the right specialist to work with. Most users search our site to find an specialist to help them Short Sale their home.

  • UNFCU
  • 24-01 44th Road, Long Island City, NY, 11101
  • he United Nations Federal Credit Union (UNFCU), founded in 1947, is a member-owned, not-for-profit cooperative that offers a range of banking, investment and insurance products and services to the global UN community. We have more than 155, 000 members in over 200 countries, assets in excess of USD $6B, and more than 600 employees.