Alabama 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Alabama

Alabama has 67 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Autauga County to a high of $685,400 for a 4-bedroom unit in Autauga County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Alabama's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($685,400)
Highest Loan Limit ($685,400)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Alabama (67 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Autauga County $356,362 $685,400 view details »
Baldwin County $356,362 $685,400 view details »
Barbour County $356,362 $685,400 view details »
Bibb County $356,362 $685,400 view details »
Blount County $356,362 $685,400 view details »
Bullock County $356,362 $685,400 view details »
Butler County $356,362 $685,400 view details »
Calhoun County $356,362 $685,400 view details »
Chambers County $356,362 $685,400 view details »
Cherokee County $356,362 $685,400 view details »
Chilton County $356,362 $685,400 view details »
Choctaw County $356,362 $685,400 view details »
Clarke County $356,362 $685,400 view details »
Clay County $356,362 $685,400 view details »
Cleburne County $356,362 $685,400 view details »
Coffee County $356,362 $685,400 view details »
Colbert County $356,362 $685,400 view details »
Conecuh County $356,362 $685,400 view details »
Coosa County $356,362 $685,400 view details »
Covington County $356,362 $685,400 view details »
Crenshaw County $356,362 $685,400 view details »
Cullman County $356,362 $685,400 view details »
Dale County $356,362 $685,400 view details »
Dallas County $356,362 $685,400 view details »
Dekalb County $356,362 $685,400 view details »
Elmore County $356,362 $685,400 view details »
Escambia County $356,362 $685,400 view details »
Etowah County $356,362 $685,400 view details »
Fayette County $356,362 $685,400 view details »
Franklin County $356,362 $685,400 view details »
Geneva County $356,362 $685,400 view details »
Greene County $356,362 $685,400 view details »
Hale County $356,362 $685,400 view details »
Henry County $356,362 $685,400 view details »
Houston County $356,362 $685,400 view details »
Jackson County $356,362 $685,400 view details »
Jefferson County $356,362 $685,400 view details »
Lamar County $356,362 $685,400 view details »
Lauderdale County $356,362 $685,400 view details »
Lawrence County $356,362 $685,400 view details »
Lee County $356,362 $685,400 view details »
Limestone County $356,362 $685,400 view details »
Lowndes County $356,362 $685,400 view details »
Macon County $356,362 $685,400 view details »
Madison County $356,362 $685,400 view details »
Marengo County $356,362 $685,400 view details »
Marion County $356,362 $685,400 view details »
Marshall County $356,362 $685,400 view details »
Mobile County $356,362 $685,400 view details »
Monroe County $356,362 $685,400 view details »
Montgomery County $356,362 $685,400 view details »
Morgan County $356,362 $685,400 view details »
Perry County $356,362 $685,400 view details »
Pickens County $356,362 $685,400 view details »
Pike County $356,362 $685,400 view details »
Randolph County $356,362 $685,400 view details »
Russell County $356,362 $685,400 view details »
St. Clair County $356,362 $685,400 view details »
Shelby County $356,362 $685,400 view details »
Sumter County $356,362 $685,400 view details »
Talladega County $356,362 $685,400 view details »
Tallapoosa County $356,362 $685,400 view details »
Tuscaloosa County $356,362 $685,400 view details »
Walker County $356,362 $685,400 view details »
Washington County $356,362 $685,400 view details »
Wilcox County $356,362 $685,400 view details »
Winston County $356,362 $685,400 view details »

How to qualify for an FHA Loan in Alabama?

To qualify for an FHA loan in Alabama, your home loan must be below the local FHA loan limits in your area. For 2021, the maximum loan limit in Alabama is $356,362 for a single-family home and $685,400 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Alabama. Additional restricts apply. Click on the Alabama map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/alabama