USDA and FHA Pro and Con in Opelika, Lee County, AL
In 2026, the USDA loan limit for Opelika in Lee County, AL is set at $336,500, while the FHA limit for a single-family home is $472,030.
Try the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. It helps you determine the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, helping you decide which program in is best suited for your financial needs.
2026 Loan Limits and Down Payment Requirements in Opelika, County of Lee, AL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Opelika, AL
Lendersa®'s aim is to swiftly connect you with the best USDA or FHA loan available, without complications. Start by selecting from one of three entry points that align you with lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment.
19501 East Mainstreet, Suite 200, Parker, CO, 80138
Mountain Financial Mortgage Group, Inc. is a Colorado mortgage broker that has been offering a full menu of loan products and personalized customer service since 1994. When you work with Mountain Financial Mortgage you work directly with an experienced licensed Loan Originator that personally guides your loan every step of the way.
19501 East Mainstreet, Suite 200, Parker, CO, 80138
Mango Mortgage Corp is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
We strive to provide borrowers with wholesale financing at the lowest rates and with the quickest closing turn times while assessing rate forecasts and influential economic factors. We offer wholesale rates for all conventional and jumbo mortgage loans. Our service is genuine and reliable. Most importantly, we keep our customers happy.
Plum Creek Funding has been serving the mortgage needs of homeowners and businesses in Colorado for over 25 years. At Plum Creek Funding, we understand that the process of securing a mortgage can be intimidating. That’s where our experienced mortgage brokers truly make a difference.
Integrity Bank & Trust is an employee-owned community bank, dedicated to the Colorado Springs area.
The staff at Integrity is motivated and inspired by meeting the financial service needs of our customers and community. We endeavor to display behavior that is consistent with our faith-based beliefs and to serve others for their benefit.
Our mission statement at The Fox Mortgage Team is to ensure we get you the Best deal not just a better deal so you’ll Never have to go through this very stressful event again. We specialize in VA home loans but also do all other types of loans as well! At the Fox Mortgage Team you’ll have a very pleasant experience with as little stress as possible
TruStar was founded in 1960 by paper mill employees in International Falls who were looking for a way to secure good rates on loans and competitive dividends on their savings. They each tossed five dollars in a hat to form the credit union’s first assets! We have grown significantly since our early days and have been recognized by industry peers.
Established in 1950, Consumers Cooperative FCU, is a financially sound institution providing quality, personalized, competitive services to all of our membership. We service all employees and customers of WESTCO and We provide products and services that help the financial stability and economic growth for both our members and our community
555 Middle Creek Pkwy, Suite 500, Colorado Springs, CO, 80921
View Mortgage delivers a smarter, faster, and all-around better home financing experience through fine-tuned processes and expert support. As the preferred lender for View Homes, helping our clients reach their home ownership goals is our number one priority and Licensed in Texas, Colorado, Florida, South Dakota, and New Mexico.
13570 Northgate Estates, Suite 200, Colorado Springs, CO, 80921
Bear Creek Mortgage Corp. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you
1301 Hazeline Lake Drive, Colorado Springs, CO, 80921
We have over 22 years of experience originating mortgages in Colorado. We fund Conventional, VA, FHA, Jumbo and USDA loans. Here at A&A Mortgage we strive for the best customer service and fast closings. This is why we partner with the best lenders in America. Give us a call, you will see the difference.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
