In 2026, the FHA loan limits in Highland-Lakes, within the county of Shelby, AL, are set at $356,362 for a single-family home, $456,275 for 2-unit residences, $551,500 for 3-unit properties, and $685,400 for 4-unit buildings.
The maximum conventional loan amounts for a single-family house is $548,250. For homes with 2-units, it is $702,000, increasing to $848,500 for those with 3 units, and reaching $1,054,500 for 4-unit homes.
Utilize our FHA calculator to discover today’s optimal FHA rates, helping you ascertain the necessary down payment, income requirements, credit score, reserves, and documents needed for approval.
The Lendersa® calculator allows for comparison of FHA rates and terms with other borrowing options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. It facilitates a detailed exploration of these varied financial products alongside FHA offerings.
Lendersa® gathers extensive data from a vast array of lenders, enabling precise comparisons tailored to your financial profile and requirements.
Refer to the Loan Limits Comparison Table for 2026 situated in Highland-Lakes, Shelby, AL, to explore maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insights into qualification criteria, including income, reserves, and credit requirements, make use of 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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