In the year 2026, the FHA loan limits in Brook-Highland, within Shelby county, AL, are $356,362 for a single-family dwelling. For 2-unit residences, it is set at $456,275, for 3-units, it goes up to $551,500, and for 4-unit properties, the limit is $685,400.
Conventional loans for a single-family home have a maximum of $548,250. For properties with 2-units, the limit becomes $702,000, while 3-unit homes can reach $848,500, and 4-unit structures have a ceiling of $1,054,500.
Use our FHA calculator to check out the top FHA rates today and find out the required down payment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
It gathers information from thousands of lenders, providing rapid comparisons based on your financial specifics and goals.
The Loan Limits Comparison Table for 2026 available in Brook-Highland, Shelby, AL, showcases maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification details such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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