In 2026, the FHA loan limit in Cottondale, Tuscaloosa county, AL, stands at $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three units, and $907,900 for four-unit structures.
The maximum limit for conventional loans on a single-family dwelling is $726,200, with limits of $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to find today’s best FHA rates and determine necessary downpayments, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates with those of other loan programs. Assess Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA terms.
Lendersa® gathers data from thousands of lenders, efficiently comparing it to your financial profile in seconds.
The Loan Limits Comparison Table for 2026 in Cottondale, within Tuscaloosa county, AL, covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare requirements like 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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