During 2026, the FHA loan limit for Gulf-Shores in Baldwin county, AL, is set at $356,362 for a single-family home. It increases to $456,275 for two-unit buildings, $551,500 for three-unit buildings, and $685,400 for four-unit buildings.
The ceiling for conventional loans on a single-family residence is $548,250. It rises to $702,000 for two-units, $848,500 for three-units, and peaks at $1,054,500 for four-units.
Utilize our FHA calculator to discover the most favorable FHA rates available today. It aids in assessing downpayment needs, income requirements, credit ratings, necessary reserves, and documentation necessary for qualification.
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Lendersa® calculator offers the ability to compare FHA rates and conditions with those of various other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly compiles data from thousands of different lenders and conducts a comparison tailored to your unique financial profile and requirements.
The 2026 Loan Limits Comparison Table for Gulf-Shores within Baldwin, AL presents a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximum values. To contrast qualification criteria like income, reserves, and credit standings, leverage 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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