For 2026, the FHA loan limits in the county of Baldwin, within Fairhope, AL, are set at $472,030 for a single-family home. For two-unit homes, the limit is $604,400, for three units it's $730,525, and for four units, the cap is $907,900.
The maximum conventional loan amount for a single-family residence is $726,200, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to view today's top FHA rates and determine the downpayment, income, credit requirements, reserves, and documentation needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with all other loan programs' rates and terms. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison with FHA.
Lendersa® collects data from thousands of lenders, and in seconds, compares it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Fairhope county of Baldwin, AL offers a detailed comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To evaluate qualification 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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