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FHA loans in Alabama: one limit, all 67 counties, $541,287.
Alabama is the simplest FHA limit map of any state we are licensed in. All 67 counties sit at the national floor of $541,287 for a one-unit property. Birmingham, Huntsville, Mobile, Montgomery and Baldwin County on the Gulf are all the same figure. There is no county lookup to do here, which frees you to think about the part that actually decides your file.
2026 figures, taken from HUD's own county limits file. Subject to eligibility and lender guidelines.
"I need to find the FHA loan limit for my Alabama county."
You do not. Every county is identical:
- One unit: $541,287
- Two units: $693,050
- Three units: $837,700
- Four units: $1,041,125
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2026 FHA loan limits in Alabama
One figure covers Alabama end to end. Jefferson, Madison, Mobile, Montgomery, Tuscaloosa and Baldwin all carry the identical cap, and no Alabama metropolitan area has median prices high enough to lift it.
| Property | 2026 limit, all 67 counties |
|---|---|
| One unit | $541,287 |
| Two units | $693,050 |
| Three units | $837,700 |
| Four units | $1,041,125 |
High-cost areas elsewhere in the country run up to $1,249,125 on a one-unit home. Alabama is not close to that, which is the same as saying the cap is unlikely to be what stands between you and a house here.
County figures from HUD's CY2026 forward mortgage limits file; national floor and ceiling from Mortgagee Letter 2025-23, effective for case numbers assigned on or after January 1, 2026. Confirm your own county on HUD's official lookup before it matters, since these change each January. Alabama has no county above the floor in HUD's 2026 file. Not a commitment to lend.
With the limit settled, the file is about qualifying
A flat limit map is genuinely useful information, because it tells you the loan limit will almost never be your obstacle in Alabama. At $541,287 on a one-unit home, the limit sits far above the price of most Alabama housing. If a purchase is not working, the constraint is on the qualifying side rather than the ceiling.
That shifts the useful questions. Is the debt-to-income calculation right, including whether debts that should be excluded are being counted? Is the credit score being read against FHA's actual floor or a lender's stricter overlay? If the file needs a human rather than an automated decision, does it have the compensating factors a manual underwrite requires?
Baldwin County deserves one specific note. It is coastal, so flood insurance requirements can apply, and required flood premiums are part of the monthly housing payment used in your ratios. The limit is the same as inland Alabama; the qualifying payment may not be.
Who regulates us in Alabama
Home Loans Inc: Jason Sharon, Mortgage Broker is licensed as a mortgage broker in Alabama through the AL State Banking Department, under company NMLS #1728740. Jason Sharon's individual licence is NMLS #1281448.
Our Alabama license is issued through the Alabama State Banking Department under company NMLS #1728740, verifiable through NMLS Consumer Access in the footer.
Because we broker rather than lend, an Alabama file that one lender declines on its own overlay can often be placed elsewhere unchanged. HUD also maintains a Alabama page covering local housing programs and assistance.
The 67 figures above are the only state-specific part
With the limit settled statewide, everything that matters is federal. The requirement list is where to start, and if you have already been declined, the reasons are worth reading before you accept it.
Comparing states? The state hub sets out what is federal and what is local across all ten states we are licensed in.
What people ask about FHA loans in Alabama
What is the FHA loan limit in Alabama for 2026?
$541,287 for a one-unit property in every one of the 67 counties. Two-unit is $693,050, three-unit $837,700 and four-unit $1,041,125. Alabama has no county above the national floor.
Is the FHA limit higher in Birmingham or Huntsville?
No. Jefferson County for Birmingham and Madison County for Huntsville are both at the national floor, the same as every other Alabama county. Metropolitan status only raises a limit when local median prices in that metro area are high enough, and in Alabama none are.
If the limit is never the problem, why do Alabama FHA loans get declined?
For the same reasons they do anywhere: the debt-to-income calculation, credit history, documentation of income, or an appraisal condition on the property. Many are also lender overlays rather than FHA rules, which means the same file may be approvable somewhere else.
Does Baldwin County have a different FHA limit because it is on the coast?
No, it is at the same $541,287 as the rest of the state. What can differ on the coast is the monthly payment, because required flood insurance is included in the housing payment used to calculate your debt-to-income ratio.
Let's re-run your math the right way.
Bring the denial. In one call we recount your debts under the actual FHA rules, find the levers, and tell you whether the fix is paperwork, a payoff, or a few months of plan.
Or call (843) 569-7283 / 843.LOW.RATE