Explore the differences! FHA VS Conventional loan programs in Helena, Shelby County, Alabama
During 2026, the limit for a Conventional loan in Helena, located in the county of Shelby, AL, is $726,200. Meanwhile, for a single-family home, the FHA limit is $472,030.
The Lendersa® Conventional loan calculator helps you compare the best rates between Conventional, FHA, and USDA loans available today. It assists in identifying required income, credit, reserves, and necessary documents for qualification. The advanced mortgage calculator allows viewing of Conforming Conventional, USDA, FHA, and VA loans alongside each other, aiding your decision on the best program in AL for your circumstances.
Loan limits and down payment needs for 2026 in Helena, Shelby, 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 for zip codes: 35022, 35080
Explore Conventional and FHA Loans in Helena, AL
The objective of Lendersa® is to provide you with the best possible USDA, FHA, or Conventional loan efficiently and effortlessly. Choose one of three pathways to connect with relevant lenders and programs.
Unity Bank is a family owned community bank with offices in Minnesota, Montana, and Wisconsin. With 16 locations, $565 million in assets, and 165 employees, Unity Bank continues to be an integral member of the communities we serve and is committed to providing a full range of products to meet our customer’s financial needs.
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