In the year 2026, the FHA loan limits for Birmingham county within Jefferson, AL stand at $472,030 for a single-family home. For properties with two units, it is $604,400, for three units $730,525, and for four units, the limit is $907,900.
For conventional loans, the highest amount you can borrow on a single-family home is $726,200, while two-unit homes have a limit of $929,850. Three-unit properties are limited to $1,123,900, and four-unit homes to $1,396,800.
To find the best FHA rates today and calculate your required downpayment, income, credit score, reserves, and necessary documents, use our FHA calculator.
Lendersa®'s calculator allows you to compare FHA rates and terms with other loan programs. Look into Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Drawing from many lenders, Lendersa® quickly contrasts loan program data against your financial profile.
The Loan Limits Comparison Table for 2026 in Birmingham county of Jefferson, AL lets you evaluate the maximum loans for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and hard money. Lendersa® Super Loan Integrated Qualifier (SLIQ™) helps compare qualifications such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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 |
Birmingham FHA Lenders |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
