USDA Guaranteed Loans are the most popular rural development mortgage program in Alabama.  Along with no down payment requirement, USDA loans also don’t have a set maximum loan limit for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed USDA loans are variable, with the maximum income limit playing a large role.  Guaranteed Loan income limits across AL are listed below.

Alabama USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Anniston-Oxford-Jacksonville, AL MSA$86,850$114,650
Auburn-Opelika, AL MSA$86,850$114,650
Barbour County, AL$86,850$114,650
Birmingham-Hoover, AL HUD Metro FMR Area$86,850$114,650
Bullock County, AL$86,850$114,650
Butler County, AL$86,850$114,650
Chambers County, AL$86,850$114,650
Cherokee County, AL$86,850$114,650
Chilton County, AL HUD Metro FMR Area$86,850$114,650
Choctaw County, AL$86,850$114,650
Clarke County, AL$86,850$114,650
Clay County, AL$86,850$114,650
Cleburne County, AL$86,850$114,650
Coffee County, AL$86,850$114,650
Columbus, GA-AL MSA$86,850$114,650
Conecuh County, AL$86,850$114,650
Coosa County, AL$86,850$114,650
Covington County, AL$86,850$114,650
Crenshaw County, AL$86,850$114,650
Cullman County, AL$86,850$114,650
Dale County, AL$86,850$114,650
Dallas County, AL$86,850$114,650
Daphne-Fairhope-Foley, AL MSA$86,850$114,650
Decatur, AL MSA$86,850$114,650
DeKalb County, AL$86,850$114,650
Dothan, AL HUD Metro FMR Area$86,850$114,650
Escambia County, AL$86,850$114,650
Fayette County, AL$86,850$114,650
Florence-Muscle Shoals, AL MSA$86,850$114,650
Franklin County, AL$86,850$114,650
Gadsden, AL MSA$86,850$114,650
Greene County, AL$86,850$114,650
Henry County, AL HUD Metro FMR Area$86,850$114,650
Huntsville, AL MSA$97,600$128,850
Jackson County, AL$86,850$114,650
Lamar County, AL$86,850$114,650
Macon County, AL$86,850$114,650
Marengo County, AL$86,850$114,650
Marion County, AL$86,850$114,650
Marshall County, AL$86,850$114,650
Mobile, AL MSA$86,850$114,650
Monroe County, AL$86,850$114,650
Montgomery, AL MSA$86,850$114,650
Perry County, AL$86,850$114,650
Pickens County, AL HUD Metro FMR Area$86,850$114,650
Pike County, AL$86,850$114,650
Randolph County, AL$86,850$114,650
Sumter County, AL$86,850$114,650
Talladega County, AL$86,850$114,650
Tallapoosa County, AL$86,850$114,650
Tuscaloosa, AL HUD Metro FMR Area$86,850$114,650
Walker County, AL HUD Metro FMR Area$86,850$114,650
Washington County, AL$86,850$114,650
Wilcox County, AL$86,850$114,650
Winston County, AL$86,850$114,650
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