For the year 2026, FHA loan limits in Columbiana county within Shelby, AL are $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
The conventional loan ceiling for a single-family home stands at $726,200, and rises to $929,850 for 2-units, $1,123,900 for 3-units, and culminates at $1,396,800 for 4-units.
Utilize our FHA calculator to explore today’s optimum FHA rates and understand the necessary downpayment, income, credit, reserves, and documentation needed for qualification.
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The 2026 Loan Limits Comparison Table for Columbiana county, Shelby, AL helps you compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine criteria such as income, reserves, and credit, use 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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