Alabama 2020 FHA Loan Limits

Last Updated: Thu, January 2, 2020

Loan Limits in Alabama

Alabama has 67 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Autauga County to a high of $638,100 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 ($638,100)
Highest Loan Limit ($638,100)

† 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 $331,760 $638,100 view details »
Baldwin County $331,760 $638,100 view details »
Barbour County $331,760 $638,100 view details »
Bibb County $331,760 $638,100 view details »
Blount County $331,760 $638,100 view details »
Bullock County $331,760 $638,100 view details »
Butler County $331,760 $638,100 view details »
Calhoun County $331,760 $638,100 view details »
Chambers County $331,760 $638,100 view details »
Cherokee County $331,760 $638,100 view details »
Chilton County $331,760 $638,100 view details »
Choctaw County $331,760 $638,100 view details »
Clarke County $331,760 $638,100 view details »
Clay County $331,760 $638,100 view details »
Cleburne County $331,760 $638,100 view details »
Coffee County $331,760 $638,100 view details »
Colbert County $331,760 $638,100 view details »
Conecuh County $331,760 $638,100 view details »
Coosa County $331,760 $638,100 view details »
Covington County $331,760 $638,100 view details »
Crenshaw County $331,760 $638,100 view details »
Cullman County $331,760 $638,100 view details »
Dale County $331,760 $638,100 view details »
Dallas County $331,760 $638,100 view details »
Dekalb County $331,760 $638,100 view details »
Elmore County $331,760 $638,100 view details »
Escambia County $331,760 $638,100 view details »
Etowah County $331,760 $638,100 view details »
Fayette County $331,760 $638,100 view details »
Franklin County $331,760 $638,100 view details »
Geneva County $331,760 $638,100 view details »
Greene County $331,760 $638,100 view details »
Hale County $331,760 $638,100 view details »
Henry County $331,760 $638,100 view details »
Houston County $331,760 $638,100 view details »
Jackson County $331,760 $638,100 view details »
Jefferson County $331,760 $638,100 view details »
Lamar County $331,760 $638,100 view details »
Lauderdale County $331,760 $638,100 view details »
Lawrence County $331,760 $638,100 view details »
Lee County $331,760 $638,100 view details »
Limestone County $331,760 $638,100 view details »
Lowndes County $331,760 $638,100 view details »
Macon County $331,760 $638,100 view details »
Madison County $331,760 $638,100 view details »
Marengo County $331,760 $638,100 view details »
Marion County $331,760 $638,100 view details »
Marshall County $331,760 $638,100 view details »
Mobile County $331,760 $638,100 view details »
Monroe County $331,760 $638,100 view details »
Montgomery County $331,760 $638,100 view details »
Morgan County $331,760 $638,100 view details »
Perry County $331,760 $638,100 view details »
Pickens County $331,760 $638,100 view details »
Pike County $331,760 $638,100 view details »
Randolph County $331,760 $638,100 view details »
Russell County $331,760 $638,100 view details »
St. Clair County $331,760 $638,100 view details »
Shelby County $331,760 $638,100 view details »
Sumter County $331,760 $638,100 view details »
Talladega County $331,760 $638,100 view details »
Tallapoosa County $331,760 $638,100 view details »
Tuscaloosa County $331,760 $638,100 view details »
Walker County $331,760 $638,100 view details »
Washington County $331,760 $638,100 view details »
Wilcox County $331,760 $638,100 view details »
Winston County $331,760 $638,100 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 2020, the maximum loan limit in Alabama is $331,760 for a single-family home and $638,100 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