What are FHA Loan Limits in Alabama?

FHA loans are a low down payment mortgage program and Alabama FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Alabama are set at the floor amount of $275,665 across almost the entire state.

Alabama FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
AUTAUGAMONTGOMERY, AL$275,665$352,950$426,625$530,150
BALDWINDAPHNE-FAIRHOPE-FOLEY, AL$275,665$352,950$426,625$530,150
BARBOURNON-METRO$275,665$352,950$426,625$530,150
BIBBBIRMINGHAM-HOOVER, AL$275,665$352,950$426,625$530,150
BLOUNTBIRMINGHAM-HOOVER, AL$275,665$352,950$426,625$530,150
BULLOCKNON-METRO$275,665$352,950$426,625$530,150
BUTLERNON-METRO$275,665$352,950$426,625$530,150
CALHOUNANNISTON-OXFORD-JACKSONVILLE, AL$275,665$352,950$426,625$530,150
CHAMBERSVALLEY, AL$275,665$352,950$426,625$530,150
CHEROKEENON-METRO$275,665$352,950$426,625$530,150
CHILTONBIRMINGHAM-HOOVER, AL$275,665$352,950$426,625$530,150
CHOCTAWNON-METRO$275,665$352,950$426,625$530,150
CLARKENON-METRO$275,665$352,950$426,625$530,150
CLAYNON-METRO$275,665$352,950$426,625$530,150
CLEBURNENON-METRO$275,665$352,950$426,625$530,150
COFFEEENTERPRISE, AL$275,665$352,950$426,625$530,150
COLBERTFLORENCE-MUSCLE SHOALS, AL$275,665$352,950$426,625$530,150
CONECUHNON-METRO$275,665$352,950$426,625$530,150
COOSATALLADEGA-SYLACAUGA, AL$275,665$352,950$426,625$530,150
COVINGTONNON-METRO$275,665$352,950$426,625$530,150
CRENSHAWNON-METRO$275,665$352,950$426,625$530,150
CULLMANCULLMAN, AL$275,665$352,950$426,625$530,150
DALEOZARK, AL$275,665$352,950$426,625$530,150
DALLASSELMA, AL$275,665$352,950$426,625$530,150
DEKALBNON-METRO$275,665$352,950$426,625$530,150
ELMOREMONTGOMERY, AL$275,665$352,950$426,625$530,150
ESCAMBIANON-METRO$275,665$352,950$426,625$530,150
ETOWAHGADSDEN, AL$275,665$352,950$426,625$530,150
FAYETTENON-METRO$275,665$352,950$426,625$530,150
FRANKLINNON-METRO$275,665$352,950$426,625$530,150
GENEVADOTHAN, AL$275,665$352,950$426,625$530,150
GREENENON-METRO$275,665$352,950$426,625$530,150
HALETUSCALOOSA, AL$331,200$424,000$512,500$636,900
HENRYDOTHAN, AL$275,665$352,950$426,625$530,150
HOUSTONDOTHAN, AL$275,665$352,950$426,625$530,150
JACKSONSCOTTSBORO, AL$275,665$352,950$426,625$530,150
JEFFERSONBIRMINGHAM-HOOVER, AL$275,665$352,950$426,625$530,150
LAMARNON-METRO$275,665$352,950$426,625$530,150
LAUDERDALEFLORENCE-MUSCLE SHOALS, AL$275,665$352,950$426,625$530,150
LAWRENCEDECATUR, AL$275,665$352,950$426,625$530,150
LEEAUBURN-OPELIKA, AL$275,665$352,950$426,625$530,150
LIMESTONEHUNTSVILLE, AL$275,665$352,950$426,625$530,150
LOWNDESMONTGOMERY, AL$275,665$352,950$426,625$530,150
MACONNON-METRO$275,665$352,950$426,625$530,150
MADISONHUNTSVILLE, AL$275,665$352,950$426,625$530,150
MARENGONON-METRO$275,665$352,950$426,625$530,150
MARIONNON-METRO$275,665$352,950$426,625$530,150
MARSHALLALBERTVILLE, AL$275,665$352,950$426,625$530,150
MOBILEMOBILE, AL$275,665$352,950$426,625$530,150
MONROENON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYMONTGOMERY, AL$275,665$352,950$426,625$530,150
MORGANDECATUR, AL$275,665$352,950$426,625$530,150
PERRYNON-METRO$275,665$352,950$426,625$530,150
PICKENSTUSCALOOSA, AL$331,200$424,000$512,500$636,900
PIKETROY, AL$275,665$352,950$426,625$530,150
RANDOLPHNON-METRO$275,665$352,950$426,625$530,150
RUSSELLCOLUMBUS, GA-AL$289,800$371,000$448,450$557,300
SHELBYBIRMINGHAM-HOOVER, AL$275,665$352,950$426,625$530,150
ST. CLAIRBIRMINGHAM-HOOVER, AL$275,665$352,950$426,625$530,150
SUMTERNON-METRO$275,665$352,950$426,625$530,150
TALLADEGATALLADEGA-SYLACAUGA, AL$275,665$352,950$426,625$530,150
TALLAPOOSANON-METRO$275,665$352,950$426,625$530,150
TUSCALOOSATUSCALOOSA, AL$331,200$424,000$512,500$636,900
WALKERBIRMINGHAM-HOOVER, AL$275,665$352,950$426,625$530,150
WASHINGTONNON-METRO$275,665$352,950$426,625$530,150
WILCOXNON-METRO$275,665$352,950$426,625$530,150
WINSTONNON-METRO$275,665$352,950$426,625$530,150

Alabama FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Alabama FHA Limits Set?

Alabama FHA Loan LimitsMortgage limits for Alabama FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

AL FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in AL is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in AL is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Alabama FHA loan limits are set at the nationwide floor amount in Birmingham, Montgomery, Mobile, Auburn, Tuscaloosa, Hoover, Dothan, Decatur, Madison City, Gulf Shores, Daphne, Fairhope and Orange Beach. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

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