In 2026, the FHA loan limit for Fairfield in Jefferson county of AL is set at $472,030 for a single-family home. For two-unit properties, this limit is $604,400, rising to $730,525 for three-unit properties, and peaking at $907,900 for four-unit homes.
The maximum amount for conventional loans on a single-family residence is $726,200, increasing to $929,850 for two units, $1,123,900 for three units, and reaching $1,396,800 for four-unit residences.
Take advantage of our FHA calculator to find today’s best FHA rates. It assists in determining the essential downpayment, income, credit, and reserve requirements, along with the documentation needed to qualify.
The Lendersa® calculator enables a thorough comparison between FHA rates and terms and a variety of other loan programs. Dive into the specifics of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in contrast with FHA.
Data from thousands of lenders is gathered by Lendersa®, allowing your financial profile and needs to rapidly guide comparisons.
The Loan Limits Comparison Table for 2026 in Fairfield, Jefferson, AL helps compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an evaluation of qualification criteria such as income, reserves, and credit, rely on 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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