2025 FHA Loan Limits for Cottondale, Tuscaloosa County, Alabama

In 2025, 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.

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Analyze Your Loan Options in Cottondale, AL

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.

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The Loan Limits Comparison Table for 2025 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™).

Loan limits Cottondale county of Tuscaloosa, 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


  • Avadian Credit Union
  • 1 Riverchase Pkwy S, Birmingham, AL, 35244
  • "Avadian is the only financial service provider that will go out of its way every day to value you as a person, to make you feel delight and to improve your life. To fulfill our mission statement, we strive to: Create unique experiences for our members by providing a family atmosphere, caring staff, affordable prices and innovative"
  • CLASSIC HOME MORTGAGE, INC.
  • 1904 Indian Lake Drive, Birmingham, AL, 35244
  • Classic Home Mortgage was established in 2009. The owners had a vision of simplifying the mortgage process and putting the customers first. Erin Tatum, now sole owner) had worked at several other mortgage companies and saw the flaws in their systems and saw the lack of communication and service to the customers.
  • ServisFirst Bank
  • 2500 Woodcrest Place, Birmingham, AL, 35209
  • ServisFirst Bank is a full service commercial Bank focused on commercial Banking, correspondent Banking, cash management, private Banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service. The Bank offers sophisticated cash management products.
  • Today's Financing
  • 85 Bagby Drive, Suite 337, Birmingham, AL, 35209
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • HAMILTON MORTGAGE CORPORATION
  • 2850 19th Street South, Suite 300, Birmingham, AL, 35209
  • "We have built a strong reputation for over 25 years as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout our southeast lending area. We're a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending"
  • Liberty Mortgage Corporation
  • 200 Williamsburg Office Park, Birmingham, AL, 35216
  • At Liberty Mortgage Corporation, we have developed long-term working relationships with realtors, builders, attorneys, accountants, appraisers, financial planners, commercial bankers and other professionals that make up the mortgage industry. We receive many referrals from these industry professionals,
  • Method Mortgage, LLC
  • 601 Vestavia Parkway, Suite 300, Birmingham, AL, 35216
  • Method Mortgage, formerly Principal Mortgage, was founded in Birmingham, Alabama in January 2007. Our work is dedicated to helping people achieve the dream of living in a home that they love and can afford. Whether you are purchasing or refinancing, we know mortgages are an important part of that process.
  • Regions Bank
  • 1900 5th Ave N, Birmingham, AL, 35203
  • Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.
  • United Mortgage Group
  • 2321 1st Ave North, Birmingham, AL, 35203
  • We are a full-service mortgage company based in Birmingham, Alabama providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout Alabama, Florida, and Texas including Conventional, VA, FHA, USDA, and Jumbo loans.
  • America's First Federal Credit Union
  • 1200 4th Ave N, Birmingham, AL, 35203
  • America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.