In 2026, the FHA loan limit for Chelsea within Shelby county of AL is set at $472,030 for a single-family residence. For a two-unit property, it rises to $604,400, escalates to $730,525 for a three-unit property, and caps at $907,900 for four-unit homes.
The upper limit for conventional loans on a single-family home rests at $726,200. For two-unit homes, it is $929,850. Moving to three-unit properties, the limit extends to $1,123,900, and for four-unit properties, it is set at $1,396,800.
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.
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 2026 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™).
| 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 |
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