In 2026, FHA loan limits in Harvest, within Madison county, AL, are set as follows: $472,030 for a single-family home, $604,400 for 2-unit residences, $730,525 for 3-unit dwellings, and $907,900 for 4-unit homes.
The maximum for conventional loans on single-family homes is $726,200. It extends to $929,850 for 2-units, $1,123,900 for homes with 3 units, and $1,396,800 for 4-units.
To access today’s optimal FHA rates, utilize our FHA calculator. It will also help establish important qualifying factors such as down payment, income benchmarks, credit requirements, reserves, and documentation needed for a successful approval.
With the capability to compare FHA rates and terms against those from other loan options, the Lendersa® calculator covers Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This tool empowers you to thoroughly explore and decide upon the most suitable financial product.
Lendersa® efficiently gathers extensive program data from thousands of lenders and aligns it with your distinct financial profile and needs within seconds.
The Loan Limits Comparison Table for 2026 in Harvest, Madison, AL provides an overview to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough examination of qualification criteria—such as income, reserves, and credit—consider using 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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