FHA VS Conventional loan in Florence, Lauderdale County, Alabama
In the year 2026, the Conventional loan limit in Florence, located within Lauderdale county in AL, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® Conventional loan calculator to compare the best prevailing rates for Conventional, FHA, and USDA loans today. Determine required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator lets you view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program for your financial situation in AL.
2026 Loan Limits and Downpayment Requirements in Florence, County of Lauderdale, AL
Loan Type
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table is applicable to these zip codes: 35633
Conventional and FHA Loan Options in Florence, AL
Lendersa® aims to provide you with the best possible Conventional, USDA, or FHA loan swiftly and without hassle. Choose from three starting points that match you with various lenders and loan programs.
Lauderdale County Teachers Credit Union is committed to meeting the ever-changing needs of your financial well-being. Established by school employees’ – for teachers, administrators, and support staff – Lauderdale County Teachers Credit Union, for more than 60 years has been providing quality, committed service.
First Southern Bank has been helping Shoals residents with their mortgage needs for over 80 years. Whether you are buying, building, or refinancing, First Southern Bank has the right loan to meet your needs. We offer competitive rates for your mortgage lending needs.Let First Southern Bank’s mortgage loan.
Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank.
We couldn't be where we are today without our team members
Valley Credit Union was originally chartered as Sheffield-Tuscumbia Credit Union. On January 19, 1956, eight employees of Sheffield and Tuscumbia Board of Education petitioned the state of Alabama for a charter to provide their employees with a convenient way to save and borrow. Today Valley has grown from 22 members in their first month.
First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.
Community Spirit Bank was the town of Red Bay’s first bank. We opened with the name Bank of Red Bay on June 11, 1908 in the Red Bay Hotel. Our roots run deeper than any other business in this community. We pride ourselves on being a true community bank and serving the citizens of our communities.
CB&S Bank is a leading community Bank with over $2 billion in assets, headquartered in Russellville, Alabama. We operate 56 branches in the Alabama, Mississippi, and Tennessee markets and employ more than 500 people. We are a local, community Bank with proven success and staying power.
