FHA VS Conventional loan programs in 2025 for Opp, Covington County, Alabama

As of 2025, the loan limit for Conventional loans in Opp, located in Covington, AL, is $726,200, whereas the limit for FHA loans is $472,030 for a single-family home.

Use the Lendersa® Conventional loan calculator to compare today's best rates between Conventional, FHA, and USDA loans. Discover the income, credit, reserves, and documents needed to qualify. With our advanced calculator, you can see Conforming Conventional, USDA, FHA, and VA loans laid out side by side for deciding which program best fits your needs in AL.

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2025 Loan Limits and Down Payment Requirements in Opp, Covington, AL

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

This comparison table applies to zip codes: 36467

Conventional and FHA Loan Options in Opp, AL

The goal of Lendersa® is to quickly and conveniently connect you with the best Conventional, USDA, or FHA loan available, hassle-free. Begin your search using one of three starting points to match with lenders and loan programs.

Lendersa USDA loan request and match results


  • Auburn University Credit Union
  • 1290 S. Donahue Drive, Auburn, AL, 36832
  • 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.
  • AuburnBank
  • 100 North Gay Street, Auburn, AL, 36830
  • 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
  • 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.
  • First National Bank of GA
  • 819 E Shotwell St, Bainbridge, GA, 39819
  • First National Bank is a full-service, independent and locally owned bank. First National Bank of Decatur County was organized in 2004 by a group of local businessmen and community leaders who share a personal stake in the future of our community. The founders of First National Bank wanted something better for the place they called home.
  • Southwest Georgia Farm Credit
  • 305 Colquitt Highway, Bainbridge, GA, 39817
  • Farm Credit has been serving rural America for more than 100 years. Right here in southwest Georgia, we work side-by-side with farmers, farm businesses, land owners and homeowners. And because we’re a cooperative, your success means our success. Together, we grow. Southwest Georgia Farm Credit is part of the Farm Credit System
  • First Mortgage of Alabama LLC
  • 30 Wilson Ave, Thomasville, AL, 36784
  • First Mortgage of Alabama offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide the best loan possible, to meet the needs of every customer. We recognize that no two customers or situations are the same. Contact us directly and let us know how we can help you in your home buying
  • Trulend Mortgage LLC
  • 26051 Predazzer Lane, Suite B, Daphne, AL, 36526
  • Trulend Mortgage is a residential mortgage lender located in Daphne, serving south Alabama communities including Bay Minette, Spanish Fort, Fairhope, Foley, Gulf Shores, Loxley, Mobile, Orange Beach, Baldwin County, as well as, Pensacola, FL. Trulend Mortgage is an approved Lender in Alabama #22567 and Florida MBR3074.
  • SUNSET MORTGAGE
  • 9086 Merritt Lane, Daphne, AL, 36526
  • The Sunset by Midtown Mortgage Broker’s Mission is to offer the best in client service. We consistently deliver excellence in the competitive marketplace for mortgages: To be the first choice for clients interested in FHA, VA, USDA, Conventional Lending Programs & Reverse Mortgages.
  • Homefront Lending LLC
  • 19940 State Highway 181, Suite B, Fairhope, AL, 36532
  • At Homefront Lending LLC, where we are honored to serve you! We are experienced mortgage professionals dedicated to our community. Located in Fairhope, AL, it is absolutely our honor to bring excellent service to south Alabama. We are a veteran-owned business who's passion is serving our nation's heroes who serve us each and every day.
  • Bay Mortgage Corporation
  • 7549 Assunta Court, Fairhope, AL, 36532
  • At Bay Mortgage Corporation, we take tremendous pride in providing our clients with an exceptional mortgage financing experience. Since 1988, we have been a locally owned and operated mortgage broker primarily serving Baldwin and Mobile counties but licensed to serve the entire state of Alabama.
  • Four Seasons Federal Credit Union
  • 2915 Pepperell Parkway, Opelika, AL, 36801
  • 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 Inc
  • 600 Avenue A, Suite B, Opelika, AL, 36801
  • 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.