FHA VS Conventional loan programs in 2026 for Fairfield, Jefferson County, Alabama
For 2026, the Conventional loan limit in Fairfield, within Jefferson county, AL, is $726,200, whereas the FHA limit stands at $472,030 for a single-family home.
Utilize the Lendersa® Conventional loan calculator to effectively compare today’s top rates for Conventional, FHA, and USDA loans. This tool helps you comprehend the income, credit, reserves, and documentation necessary for qualification. Our innovative mortgage calculator offers a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, helping you identify the best option for your financial scenario in AL.
2026 loan ceilings and down payment prerequisites in Fairfield, Jefferson county, AL
Loan Category
Maximum Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The comparison is bound to these zip codes: 35064
Conventional versus FHA loan offerings in Fairfield, AL
Lendersa® is dedicated to promptly securing the most favorable Conventional, USDA, or FHA loans for you, minus the hassle. Start with one of three options to connect with matching lenders and loan products.
1101 Martin Luther King Jr Drive, SW, Birmingham, AL, 35211
Lends in Alabama
Sixth Avenue Baptist FCU is an independent financial cooperative owned by its members. Sixth Avenue Baptist FCU was chartered in 1963 to help meet the financial needs of the members of Sixth Avenue Baptist Church and their immediate family members. Our main objective is serving our member-owners.
eCO Credit Union is a not-for-profit financial co-operative. From checking to loans & everything in between, we exist to meet the needs of our members with free & low-cost products & services.We also work hard to prioritize financial literacy in our communities. With 6 branches around the Birmingham area,eCO Credit Union is here to meet your needs.
ServisFirst Bank is a full service commercial Bank focused on commercial Banking, correspondent Banking, cash management, private Banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service. The Bank offers sophisticated cash management products.
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.
At NMI Mortgage Funding, LLC, 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.
APCO Employees Credit Union is a not for profit, full service financial institution. The Credit Union was formed in 1953 for the purpose of promoting thrift and providing a source of low cost credit for its members. APCO is member owned and operated and its only reason for existence is to help its members do better financially.
Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.
We are a full-service mortgage company based in Birmingham, Alabama providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout Alabama, Florida, and Texas including Conventional, VA, FHA, USDA, and Jumbo loans.
America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.
