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$331,760$424,800$513,450$638,100
BALDWINDAPHNE-FAIRHOPE-FOLEY, AL$331,760$424,800$513,450$638,100
BARBOUREUFAULA, AL-GA$331,760$424,800$513,450$638,100
BIBBBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
BLOUNTBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
BULLOCKNON-METRO$331,760$424,800$513,450$638,100
BUTLERNON-METRO$331,760$424,800$513,450$638,100
CALHOUNANNISTON-OXFORD, AL$331,760$424,800$513,450$638,100
CHAMBERSLAGRANGE, GA-AL$331,760$424,800$513,450$638,100
CHEROKEENON-METRO$331,760$424,800$513,450$638,100
CHILTONBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
CHOCTAWNON-METRO$331,760$424,800$513,450$638,100
CLARKENON-METRO$331,760$424,800$513,450$638,100
CLAYNON-METRO$331,760$424,800$513,450$638,100
CLEBURNENON-METRO$331,760$424,800$513,450$638,100
COFFEEENTERPRISE, AL$331,760$424,800$513,450$638,100
COLBERTFLORENCE-MUSCLE SHOALS, AL$331,760$424,800$513,450$638,100
CONECUHNON-METRO$331,760$424,800$513,450$638,100
COOSAALEXANDER CITY, AL$331,760$424,800$513,450$638,100
COVINGTONNON-METRO$331,760$424,800$513,450$638,100
CRENSHAWNON-METRO$331,760$424,800$513,450$638,100
CULLMANCULLMAN, AL$331,760$424,800$513,450$638,100
DALEOZARK, AL$331,760$424,800$513,450$638,100
DALLASSELMA, AL$331,760$424,800$513,450$638,100
DEKALBFORT PAYNE, AL$331,760$424,800$513,450$638,100
ELMOREMONTGOMERY, AL$331,760$424,800$513,450$638,100
ESCAMBIAATMORE, AL$331,760$424,800$513,450$638,100
ETOWAHGADSDEN, AL$331,760$424,800$513,450$638,100
FAYETTENON-METRO$331,760$424,800$513,450$638,100
FRANKLINNON-METRO$331,760$424,800$513,450$638,100
GENEVADOTHAN, AL$331,760$424,800$513,450$638,100
GREENETUSCALOOSA, AL$331,760$424,800$513,450$638,100
HALETUSCALOOSA, AL$331,760$424,800$513,450$638,100
HENRYDOTHAN, AL$331,760$424,800$513,450$638,100
HOUSTONDOTHAN, AL$331,760$424,800$513,450$638,100
JACKSONSCOTTSBORO, AL$331,760$424,800$513,450$638,100
JEFFERSONBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
LAMARNON-METRO$331,760$424,800$513,450$638,100
LAUDERDALEFLORENCE-MUSCLE SHOALS, AL$331,760$424,800$513,450$638,100
LAWRENCEDECATUR, AL$331,760$424,800$513,450$638,100
LEEAUBURN-OPELIKA, AL$331,760$424,800$513,450$638,100
LIMESTONEHUNTSVILLE, AL$331,760$424,800$513,450$638,100
LOWNDESMONTGOMERY, AL$331,760$424,800$513,450$638,100
MACONNON-METRO$331,760$424,800$513,450$638,100
MADISONHUNTSVILLE, AL$331,760$424,800$513,450$638,100
MARENGONON-METRO$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MARSHALLALBERTVILLE, AL$331,760$424,800$513,450$638,100
MOBILEMOBILE, AL$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYMONTGOMERY, AL$331,760$424,800$513,450$638,100
MORGANDECATUR, AL$331,760$424,800$513,450$638,100
PERRYNON-METRO$331,760$424,800$513,450$638,100
PICKENSTUSCALOOSA, AL$331,760$424,800$513,450$638,100
PIKETROY, AL$331,760$424,800$513,450$638,100
RANDOLPHNON-METRO$331,760$424,800$513,450$638,100
RUSSELLCOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
SHELBYBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
ST. CLAIRBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
SUMTERNON-METRO$331,760$424,800$513,450$638,100
TALLADEGATALLADEGA-SYLACAUGA, AL$331,760$424,800$513,450$638,100
TALLAPOOSAALEXANDER CITY, AL$331,760$424,800$513,450$638,100
TUSCALOOSATUSCALOOSA, AL$331,760$424,800$513,450$638,100
WALKERJASPER, AL$331,760$424,800$513,450$638,100
WASHINGTONMOBILE, AL$331,760$424,800$513,450$638,100
WILCOXNON-METRO$331,760$424,800$513,450$638,100
WINSTONNON-METRO$331,760$424,800$513,450$638,100

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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