FHA VS Conventional loan programs in Opelika, Lee County, Alabama
In 2026, the Conventional loan limit in Opelika, located in Lee county, AL, is $726,200, while the FHA limit for a single-family home stands at $472,030.
Use the Lendersa® Conventional loan calculator to compare today’s top rates among Conventional, FHA, and USDA loans. Determine required income, credit standards, reserves, and documentation needed for qualification. Our advanced calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in determining the best program in AL for your financial situation.
2026 Loan Limits and Down Payment Requirements in Opelika, County of Lee, AL
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to the following zip codes: 36804
Conventional and FHA Loan Options in Opelika, AL
The mission of Lendersa® is to quickly deliver the best possible Conventional, USDA, or FHA loan for you without hassle. Choose any of the three starting points for accessing matching lenders and loan programs.
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
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.
Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.
Green Street Mortgage Lenders, where we specialize in residential mortgages. At Green Street Mortgage Lenders, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.
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.
We are a community Bank whose mission is to provide superior service and innovation to our customers Phenix Girard Bank is a Bank with operations in one state. Phenix Girard Bank offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA and construction mortgages.
