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

In 2025, the maximum limit for a Conventional loan in Clay, located in the county of Jefferson, AL, is set at $726,200. Comparatively, the FHA limit for a single-family home stands at $472,030.

Utilize Lendersa®'s Conventional loan calculator to assess the best rates available today across Conventional, FHA, and USDA loans. Determine necessary criteria such as income, credit history, reserves, and essential documents for qualification. Our innovative mortgage calculator allows you to compare Conforming Conventional loans alongside USDA, FHA, and VA options, helping you identify which program in AL aligns best with your unique financial needs.

Compare diverse loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Clay, Jefferson County, AL

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

This comparison table pertains to the following zip codes: 35173, 35126

Exploring Conventional and FHA Loan Options in Clay, AL

The aim of Lendersa® is to secure for you the most favorable Conventional, USDA, or FHA loans quickly and with ease. Choose among three initial pathways that lead you to matching lenders and loan schemes.

Lendersa USDA loan request and matching results


  • Del Financial, Inc.
  • 11508 Rosecrans Ave, Norwalk, CA, 90650
  • Del Financial, Inc, a Southern California based mortgage corporation, was founded in 1981 and incorporated in 1996. We have over 30 years of professional mortgage experience; our management team, associates, and staff have flourished through every type of market fluctuation and have continually delivered great service
  • POPA Federal Credit Union
  • 13304 Alondra Blvd, Cerritos, CA, 90703
  • POPA Federal Credit Union was formed in 1978 by PPOA (Professional Peace Officers Association) to provide not-for-profit financial products and services exclusively to fellow peace officers with the Los Angeles County Sheriff’s Department. In July 2020, POPA FCU expanded our membership eligibility to all employees of the Los Angeles County She
  • Solve Lending & Realty
  • 18000 Studebaker Rd, Suite 700, Cerritos, CA, 90703
  • Solve Lending & Realty: Founded by two brothers, who are also licensed agents and loan originators with over 30 years of combined experience in the industry Solve Realty is the smartest way to buy or sell homes in your area. Solve is a tech-powered real estate brokerage that combines traditional methods of home buying
  • MAK Home Loans
  • 17777 Center Court Dr N, Suite 600, Cerritos, CA, 90703
  • At MAK Home Loans, 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.
  • ABS Realty Group
  • 12506 Eckleson St, Cerritos, CA, 90703
  • ABS Realty Group It's my pleasure to welcome you to my website, where you can use a variety of resources to learn about our community, find available properties, and learn more about the real estate process. I bring a high level of expertise to the table as an experienced professional. It’s exciting that you're here.
  • Equibox Mortgage, Inc.
  • 11050 Artesia Boulevard, Suite A, Cerritos, CA, 90703
  • When you work with Equibox Mortgage, you’ll be treated more like a partner instead of a client. That’s because we know you could probably use an expert in your corner. Buying a home doesn’t have to be a confusing and intimidating process. We’re here to answer any questions you have about the entire home buying process.
  • Express Home Loan Funding Corp
  • 17215 Studebaker Rd, Suite 330, Cerritos, CA, 90703
  • "Express Home Loan Funding or EHL Funding is a mortgage broker based in the city of Downey southeast Los Angeles County, California. It is dependable firm that seeks to exceed the expectations of their clients. They want to assure their clients that they will get loans whose terms are suited to their financial capability.
  • iCore Lending, Inc.
  • 17785 Center Court Drive N, Suite 600, Cerritos, CA, 90703
  • iCore Lending, Inc. we always operate with honesty, integrity, and a solid commitment to quality. We never sacrifice quality for profit. We create individualized financial solutions with the end consumer in mind, allowing you to rest assured that you are getting a great mortgage.
  • Dio Real Estate
  • 17777 Center Court Drive, Suite 600, Cerritos, CA, 90703
  • Dio Real Estate, we are here to simplify this complex process to make it as smooth and as easy for you as possible. We pride ourselves on excellent customer service, connecting you with loan officers who can offer you the best market rates and exceptional solutions that will meet your overall needs
  • Brooks Mortgage Inc.
  • 18000 Studebaker Road, Suite 700, Cerritos, CA, 90703
  • brooksmortgage is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity and also Brooks Mortgage Inc our mission is to set a high standard in the mortgage industry you can trust me and my team with all of your home financing needs. Don’t hesitate to reach out using the direct contact