FHA VS Conventional loan programs in Phenix-City, Russell County, Alabama
In 2026, the Conventional loan limit for Phenix-City, which is located in Russell county, AL, is $647,200. For a single-family home, the FHA limit stands at $420,680.
Lendersa® offers a Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the best program for your financial situation in AL.
2026 Loan Limits and Down Payment Requirements in Phenix-City, Russell, AL
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This information applies to the following zip codes: 36869, 36867, 36868
Conventional and FHA Loan Options in Phenix-City, AL
Lendersa® aims to provide the best Conventional, USDA, or FHA loan quickly and easily. Choose from one of three starting points that connect you with matching lenders and loan programs.
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