Explore the differences! FHA VS Conventional loan programs in Homewood, Jefferson County, Alabama

In 2026, the Conventional loan limit in Homewood, within Jefferson county, AL, is $726,200, while the FHA limit is $472,030 for a single-family home.

Use the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and required documents for qualification. Our advanced calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in AL best suits your financial situation.

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2026 Loan Limits and Down Payment Requirements in Homewood, County of Jefferson, 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 the zip codes: 35229

Conventional and FHA Loan Options in Homewood, AL

The goal of Lendersa® is to deliver the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose from three starting points that connect you with matching lenders and loan programs.

Lendersa USDA loan request and matching results


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    In the fall of 1893, through the efforts of William Lewis and A.D. Frasier, the Bank of Richmondville was organized

  • People's United Bank
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  • Bank of Utica
  • 222 Genesee Street, Utica, NY, 13502
  • Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.

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  • Stearns Bank Holdingford National Association
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    Same-Day Pre-Approvals
    Refinance Options
    Credit Assistance
    Mortgage Brokerage
    Variety of Home Loan Programs. With all of our home loan programs at St. Cloud Mortgage, Inc."

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