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$75,650$99,850
Auburn-Opelika, AL MSA$75,650$99,850
Barbour County, AL$75,650$99,850
Birmingham-Hoover, AL HUD Metro FMR Area$75,650$99,850
Bullock County, AL$75,650$99,850
Butler County, AL$75,650$99,850
Chambers County, AL$75,650$99,850
Cherokee County, AL$75,650$99,850
Chilton County, AL HUD Metro FMR Area$75,650$99,850
Choctaw County, AL$75,650$99,850
Clarke County, AL$75,650$99,850
Clay County, AL$75,650$99,850
Cleburne County, AL$75,650$99,850
Coffee County, AL$75,650$99,850
Columbus, GA-AL MSA$75,650$99,850
Conecuh County, AL$75,650$99,850
Coosa County, AL$75,650$99,850
Covington County, AL$75,650$99,850
Crenshaw County, AL$75,650$99,850
Cullman County, AL$75,650$99,850
Dale County, AL$75,650$99,850
Dallas County, AL$75,650$99,850
Daphne-Fairhope-Foley, AL MSA$75,650$99,850
Decatur, AL MSA$75,650$99,850
DeKalb County, AL$75,650$99,850
Dothan, AL HUD Metro FMR Area$75,650$99,850
Escambia County, AL$75,650$99,850
Fayette County, AL$75,650$99,850
Florence-Muscle Shoals, AL MSA$75,650$99,850
Franklin County, AL$75,650$99,850
Gadsden, AL MSA$75,650$99,850
Greene County, AL$75,650$99,850
Henry County, AL HUD Metro FMR Area$75,650$99,850
Huntsville, AL MSA$84,900$112,050
Jackson County, AL$75,650$99,850
Lamar County, AL$75,650$99,850
Macon County, AL$75,650$99,850
Marengo County, AL$75,650$99,850
Marion County, AL$75,650$99,850
Marshall County, AL$75,650$99,850
Mobile, AL MSA$75,650$99,850
Monroe County, AL$75,650$99,850
Montgomery, AL MSA$75,650$99,850
Perry County, AL$75,650$99,850
Pickens County, AL HUD Metro FMR Area$75,650$99,850
Pike County, AL$75,650$99,850
Randolph County, AL$75,650$99,850
Sumter County, AL$75,650$99,850
Talladega County, AL$75,650$99,850
Tallapoosa County, AL$75,650$99,850
Tuscaloosa, AL HUD Metro FMR Area$75,650$99,850
Walker County, AL HUD Metro FMR Area$75,650$99,850
Washington County, AL$75,650$99,850
Wilcox County, AL$75,650$99,850
Winston County, AL$75,650$99,850
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