As of 2026, the FHA loan limits for Hartselle county in Morgan, AL are set at $472,030 for single-family homes, $604,400 for dual-unit homes, $730,525 for properties with three units, and $907,900 for those with four units.
For conventional lending on a single-family home, the ceiling is $726,200. For two-unit properties, it's set at $929,850, while three-unit homes see a limit of $1,123,900, and four-unit properties have a maximum of $1,396,800.
Our FHA calculator is at your service, providing today’s most competitive FHA rates and aiding in calculating required down payments, income benchmarks, necessary credit scores, reserve amounts, and documentation for eligibility.
With the Lendersa® calculator, you can seamlessly compare FHA rates and terms to those of a broad spectrum of loan programs. Whether exploring Conventional loans, Jumbo loans, VA, USDA, Non-QM, or hard money loans, each can be easily weighed against FHA options.
Access to a wealth of data from a large array of lenders allows Lendersa® to instantly align their loan programs with your personalized financial situation and borrowing needs.
For 2026, our Loan Limits Comparison Table provides a comprehensive view of maximum allowable loans for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM) in addition to hard money loans across Hartselle county, Morgan, AL. For further insights into income requirements, reserve standards, and credit criteria, you can leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™) tool.
| 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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