For 2026, the FHA loan ceiling in the county of Barbour, for Clayton, AL, is set at $472,030 for a single-family residence. For two-unit properties, the limit is $604,400, for three-unit structures, it's $730,525, and for four-unit homes, the cap is $907,900.
The maximum allowable loan amount for conventional loans on a single-family home is $726,200. For properties with two units, it is $929,850, for those with three units, it's $1,123,900, and for four-unit dwellings, it reaches $1,396,800.
Our FHA calculator can assist in finding today’s top FHA rates and help you evaluate the necessary down payment, income level, credit requirements, reserves, and documentation needed for qualification.
The Lendersa® calculator provides an easy way to assess FHA rates and terms alongside those of various other loan programs. Investigate and compare Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans together with FHA options.
Drawing on loan program data from thousands of lenders, Lendersa® enables swift comparison against your unique financial profile and specific needs.
The Loan Limits Comparison Table for 2026 applicable to Clayton in Barbour county, AL, includes assessments of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To explore qualification and requirements like income, reserves, and credit, use 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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