In the year 2026, FHA loan limits in Bay-Minette located in Baldwin county, AL, are established at $356,362 for a single-family home, with $456,275 for 2-unit properties, $551,500 for 3-unit residences, and $685,400 for 4-unit buildings.
The highest loan amount for conventional loans on a single-family dwelling is set at $548,250, $702,000 for two-unit properties, $848,500 for three units, and $1,054,500 for four-unit houses.
Utilize our FHA calculator to explore today’s best FHA rates and accurately determine the downpayment, required income, credit score, reserves, and documents necessary for qualification.
The Lendersa® calculator enables comparisons of FHA rates and terms against other available loan programs. Delve into options for Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® accumulates loan program data from a vast array of lenders and promptly aligns it with your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Bay-Minette county, Baldwin, AL offers a comprehensive view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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