In 2026, FHA loan limits for Fort-Payne, within DeKalb county of AL, stand at $356,362 for single-family homes, $456,275 for two-unit dwellings, $551,500 for three units, and $685,400 for four units.
The maximum amount for conventional loans for a single-family home is $548,250, with $702,000 set for two-unit homes, $848,500 for three units, and $1,054,500 for four units.
Take advantage of our FHA calculator to evaluate the best rates available today, estimating necessary downpayments, income, credit, reserve statuses, and documentations needed to qualify.
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With the Lendersa® calculator, easily compare FHA rates and terms with those of other loan offerings, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive data from thousands of lenders to provide an instant, precise comparison with your particular financial profile and requirements.
For 2026, the Loan Limits Comparison Table in Fort-Payne within DeKalb, AL allows comparison across maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For details on qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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