FHA VS Conventional loan programs in 2025 for Cullman, Cullman County, Alabama

In the year 2025, the Conventional loan limit for a property in Cullman, located in Cullman county, AL, is $726,200. Meanwhile, the limit for FHA loans for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's rates between Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator presents Conforming Conventional loans, USDA, FHA, and VA options side by side, helping you decide which program in AL fits your needs best.

Compare loan offers from over 100 lenders

2025 Loan Limits and Down Payment Requirements in Cullman, Cullman, AL

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

These loan details are applicable for the following zip codes: 35058, 35057, 35055, 35056

Conventional and FHA Loan Options Available in Cullman, AL

At Lendersa®, our mission is to secure the optimal Conventional, USDA, or FHA loan without delay and hassle. Choose from three initial pathways to find matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Main Street Mortgage Services
  • 15825 Main Street, 1st Floor, La Puente, CA, 91744
  • MAIN STREET MORTGAGE SERVICES, Inc. is a full service mortgage brokerage with only one priority – to provide the absolute best customer service to our clients while educating them on today’s mortgage process. We offer individualized mortgage solutions for the borrower's unique needs.
  • Vintage Realty & Finance Inc
  • 1050 Lakes Drive, Suite 225, West Covina, CA, 91790
  • Vintage Realty & Finance, Inc. is a full service real estate and mortgage company, offering a wide range of products for all your purchase, sale and refinance needs. Whether you are looking or planning to buy your first home, or upgrading to a bigger one, or even downgrading to a smaller one, we are committed to providing the highest.
  • Super mortgage bros
  • 1900 W. Garvey Ave S, Suite 100, West Covina, CA, 91790
  • We specialize in helping people obtain residential mortgages. From first time home buyers to seasoned investors, we are always here to help! Some of the services we offer are FHA loans First time Home buyer programs VA Loans Conventional loans Jumbo loans mortgage Pre-approval Fixed rate Mortgage Adjustable Rate mortage Rate.
  • Golden Waters Funding, Inc
  • 1600 North Broadway, Suite 120, Santa Ana, CA, 92706
  • 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.
  • MGM Lenders Inc.
  • 1912 North Broadway, Suite 102, Santa Ana, CA, 92706
  • MGM Lenders provides quality mortgage lending services with the mission of offering competitive real estate financing with unmatched services.Our overqualified team, with a backbone of great teamwork, is ready to serve our customers in multiple languages - including English, Spanish and Farsi. We highly respect different cultures and languages.
  • Loankey.io
  • 2702 North Flower Street, Santa Ana, CA, 92706
  • Loankey.io founder of the Eric Antonio Figueroa is a full service Mortgage Brokerage offering Home and Commercial loans from over 20 lenders and also our team is ready to help. We can assist with all types of financing needs. Stated Income Programs, No Income Documentation, New Employment and Many More.
  • Lewis Clark Credit Union
  • 604 Bryden Avenue, Lewiston, ID, 83501
  • Come see why LCCU, Lewis Clark Credit Union, is a whole new financial experience. We offer progressive financial services, with hometown member support. We know you by name and are here to help you meet your financial goals. At LCCU, our focus really is your future. Unlike banks, credit unions are not in business to make a profit.
  • TWIN RIVER BANK
  • 1507 G St, Lewiston, ID, 83501
  • Early in March, 1978, eight real estate brokers discussed a common concern, financing, at their weekly exchange breakfast meeting. The consensus was that the local banks and mortgage companies were not meeting the needs of the public. Processing of loans was taking too long; since “chain” banks had to send everything out of town for approval
  • OGI Mortgage Bankers
  • 6 Hutton Centre Dr, Suite 1030, Santa Ana, CA, 92707
  • Founded in 2009, ONY GLO, Inc. dba. OGI Mortgage Bankers is an independent, full-service, residential mortgage Banker, located in Orange County, California, the nation’s capital of the mortgage lending industry. We are fully staffed with a team of mortgage professionals, ensuring your loan is turned around quickly and efficiently.
  • Residential Lending Solutions Co.
  • 4 Hutton Centre Dr, Suite 500, Santa Ana, CA, 92707
  • Residential Lending Solutions employs professional real estate financing professionals who are dedicated to helping you achieve success in getting your loans. We offer a wide range of home loan options that you can choose; from traditional home loans to buyer specialty loans, VA loans and even reverse mortgages.