FHA VS Conventional loan programs in 2026 for Holtville, Elmore County, Alabama

Throughout 2026, in Holtville located within Elmore county, AL, the Conventional loan cap is $726,200, whereas the FHA maximum stands at $472,030 for single-family homes.

Utilize the Lendersa® Conventional loan calculator to evaluate the best current rates between Conventional, FHA, and USDA loans. Check the income, credit, reserves, and required documents to qualify. With this comprehensive mortgage calculator, view Conforming Conventional, USDA, FHA, and VA loans in AL side-by-side to determine the best program for your finances.

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Loan limits and down payment requirements for 2026 in Holtville, Elmore, AL

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

Applicable to zip codes: 36092

Available Conventional and FHA loan options in Holtville, AL

The goal at Lendersa® is to quickly provide you with the best possible Conventional, USDA, or FHA loan without stress. Choose one of three pathways to connect with matching lenders and tailored loan programs.

Results for Lendersa USDA loan requests


Holtville Lenders

  • First Community Bank of Central
  • 715 Wilson St Wetumpka, Wetumpka, AL, 36092
  • Lends in Alabama
  • First Community Bank of Central Alabama is a commercial Bank that has been open since August, 2001. We currently have offices in Wetumpka, Millbrook, Eclectic, Prattville, Tallassee, and Holtville. We also operate a Wealth Management Division and a full-service mortgage company, First Community Mortgage.
    It is our belief that a community is best

  • Alabama Home Mortgage Loans
  • 242 Peace Church Rd, Suite A, Wetumpka, AL, 36093
  • Lends in Alabama
  • "We are a Locally Owned Business offering Home Mortgage Services; We offer programs for New Home Purchase as well as Refinance for existing loans.
    Alabama Home Mortgage Loans is a local Mortgage Loan Origination service headquartered in Wetumpka, Alabama.Kim Williams, Senior Mortgage Loan Originator, founded Alabama Home Mortgage Loans in 2014."

  • River Bank & Trust
  • 2611 Legends Drive, Prattville, AL, 36066
  • Lends in Alabama
  • Here at Diversified Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

    We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

  • Guardian Credit Union.
  • 418 Madison Ave, Montgomery, AL, 36104
  • Lends in Alabama
  • Guardian Credit Union is based in Montgomery, Alabama. With 64,000+ members and sixteen branches, we have all of the technology, financial products and personalized service you need to go bankless! Guardian is a member-owned, not-for-profit cooperative that provides financial services for our members including savings

  • Real Estate Funding
  • 8421 Crossland Loop, Montgomery, AL, 36117
  • Lends in Alabama
  • The Real Estate Funding team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Auburn University Credit Union
  • 1290 S. Donahue Drive, Auburn, AL, 36832
  • Lends in Alabama
  • Auburn University Credit Union is here to help you navigate life's milestones. From education expenses, auto loans, vacations, home purchases, AU Credit Unions is built around where you live, work, study & play. We're locally owned for our local neighbors. We’re always on your team because we understand the importance of being stronger together.

  • Home South Mortgage. Company
  • 1104 W Ft Williams St, Sylacauga, AL, 35150
  • Lends in Alabama
  • We pride ourselves on making Alabama mortgages easy. Whether you're a first-time homebuyer or looking to save on your current mortgage, we can help. There’s a reason why we have a 99.9% customer retention rate. When you get your mortgage with us, we get you the lowest rates and we let you know when you can refinance and save.

  • AuburnBank
  • 100 North Gay Street, Auburn, AL, 36830
  • Lends in Alabama
  • Auburn National Bancorporation, Inc. (Nasdaq: AUBN) is a bank holding company headquartered in Auburn, Alabama, with total assets of $790 million as of March 31, 2015. Through our wholly-owned subsidiary, AuburnBank, we offer a full range of banking services to commercial and retail customers

  • GULF STATES FINANCIAL
  • 305 E. Thach Avenue, Suite H, Auburn, AL, 36830
  • Lends in Alabama
  • Our firm is committed to developing solutions that are on target with your needs, & to implement them competently, responsibly and with confidence. It is our policy to provide independent & sound loan products whatever your financial situation. If you need expert advice that achieves optimal results. Gulf States Financial is your trusted lender.