2025 FHA Loan Limits for Chelsea, Shelby County, Alabama

In {CURRENT_YEAR}, the FHA loan limit for Chelsea within Shelby county of AL is set at {DETAILS_LOAN_LIMIT_FHA1} for a single-family residence. For a two-unit property, it rises to {DETAILS_LOAN_LIMIT_FHA2}, escalates to {DETAILS_LOAN_LIMIT_FHA3} for a three-unit property, and caps at {DETAILS_LOAN_LIMIT_FHA4} for four-unit homes.

The upper limit for conventional loans on a single-family home rests at {DETAILS_LOAN_LIMIT_CONVENTIONAL1}. For two-unit homes, it is {DETAILS_LOAN_LIMIT_CONVENTIONAL2}. Moving to three-unit properties, the limit extends to {DETAILS_LOAN_LIMIT_CONVENTIONAL3}, and for four-unit properties, it is set at {DETAILS_LOAN_LIMIT_CONVENTIONAL4}.

By using our FHA calculator, you can access the best FHA rates available today. Our tool helps delineate necessary downpayment amounts, evaluate income requirements, instill the needed credit levels, calculate reserves, and compile essential documents for qualification.

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Explore Diverse Loan Options in Chelsea, AL

The Lendersa® calculator is a powerful tool allowing you to compare the rates and terms of FHA loans with a plethora of other loan programs. Dive into the comparisons involving Conventional loans, sizable Jumbo loans, VA, USDA, Non-QM, and aggressive hard money loans alongside FHA options.

Lendersa® collects expansive loan data from thousands of lenders and instantly aligns it with your unique financial context and needs, providing tailored comparisons.

Our Loan Limits Comparison Table, specifically for {CURRENT_YEAR} in Chelsea county of Shelby, AL, enables you to juxtapose the maximum loan amounts of a wide array of loan categories: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further delve into qualifications like income levels, asset reserves, and credit standards, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).

Loan limits Chelsea county of Shelby, AL

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


  • Davidson Homes. Heritage Mortgage
  • 336 James Record Road, Huntsville, AL, 35824
  • In 2009, Adam Davidson’s vision came to life in the Huntsville, Alabama market. His new home building company, Davidson Homes, offered home buyers quality construction and materials, superior value and an unprecedented level of personalization. He committed himself to building an all-star team of employees
  • First Mortgage Group
  • 118 E Moulton St, Decatur, AL, 35601
  • The First Mortgage Group team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • DREAM HOME MORTGAGE LLC
  • 1690 Beltline Road SW, Suite A, Decatur, AL, 35601
  • "Dream Home Mortgage is a locally owned mortgage company offering its services to customers in the entire state of Alabama. Our company helps clients secure mortgages with low rates and minimal out-of-pocket cost. We understand the value of one-on-one support for all clients. We've dedicated ourselves to providing unmatched service at every tu
  • First State Bank of AL
  • PO Box 681299, Fort Payne, AL, 35968
  • Being locally-owned and locally-operated is one of the most beneficial as well as distinguishing characteristics of First State Bank.This trait separates us from our competitors by allowing FSB the pleasure and flexibility of servicing our customers’ needs promptly and personally.
  • Porch Point Mortgage
  • 600 Boulevard South SW Suite 104, Huntsville, AL, 35802
  • Porch Point Mortgage is a mortgage brokerage that offers home financing to clients across the country. We believe in a simplified and technology-enabled process. We are dedicated to helping our clients obtain a mortgage that fits their needs, whether it’s for purchasing a home or refinancing an existing loan. Porch Point uses the latest systems and
  • North Alabama Mortgage
  • 7501 Memorial Pkwy SW, Suite 100, Huntsville, AL, 35802
  • Since our beginning in 2006, North Alabama Mortgage has been helping people fulfill their dreams of becoming homeowners. We pride ourselves on finding the best loan at the lowest cost possible. All with a focus on personal, friendly service and making the loan process as quick and easy as possible to our clients.
  • Alabama Mortgage Lending
  • 3316 Bob Wallace Avenue, Huntsville, AL, 35805
  • Alabama Mortgage Lending committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • North Alabama Educators Credit Union
  • 2309 Whitesburg Drive South, Huntsville, AL, 35801
  • NAECU was established in 1955 to serve employees of the local Huntsville educational community and has expanded over the years. The credit union now serves over 10,500 members and has accumulated over $82,000,000 in total assets. NAECU follows the philosophy of "Not for Profit, not for Charity, but for Service".