FHA VS Conventional loan in Grayson-Valley, Jefferson County, Alabama

In 2025, the conventional loan limit for Grayson-Valley, located in Jefferson, AL is $647,200, whereas the FHA loan limit for a single-family home is $420,680.

Lendersa® offers a Conventional loan calculator to compare top rates today for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and paperwork required to qualify. With our advanced calculator, view Conforming Conventional, USDA, FHA, and VA loan options side by side, helping you choose the best program for your financial situation in AL.

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2025 Loan Limits and Downpayment Requirements in Grayson-Valley, Jefferson, AL

Loan Type Loan Limit Minimum Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table applies to the zip codes: 35235

Discover Conventional and FHA Loan Opportunities in Grayson-Valley, AL

The Lendersa® mission is to offer the best possible Conventional, USDA, or FHA loan efficiently and without hassle. Begin with any of the three available starting points to match with lenders and loan programs.

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  • ACFCU
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  • ACFCU has been providing financial services for over 75 years. We strive to make financial dreams reality & we want to be THE financial solution for all of our members.We serve over 38, 000 members & strive daily to exceed our members expectations. Chartered in 1945 ACFCU is now the largest credit union in the Panhandle serving over 37,000 members.
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  • At The First National Bank in Sioux Falls, we do things differently. With an infectious culture, a 135-year commitment to our communities, and a foundation built on our FIRST Values, we pride ourselves on being more than just a bank. Whether you’re looking to purchase your first home, starting a new business venture, or ready to invest,
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  • Pepe/Berard Capital is a boutique real estate direct lender & investment firm co-founded by William Pepe & Ralph Berardi, Jr. in 2013. The principals have over 50 years of combined experience in real estate lending, investments and management. The firm was founded to pursue small to middle market real estate opportunities.