In 2026, within the county of Jefferson in Homewood, AL, the FHA loan limits are set at $472,030 for single-family residences, $604,400 for two-unit dwellings, $730,525 for three-unit homes, and $907,900 for properties with four units.
For conventional loans, the maximum amount available for a single-family home is $726,200. Two-unit limits reach $929,850, for three units it's $1,123,900, and four-unit homes are capped at $1,396,800.
Leverage our FHA calculator to discover today’s prime FHA rates and to determine the necessary downpayment, income requirements, credit score, reserves, and documentation for qualification.
The Lendersa® calculator allows for a comprehensive comparison of FHA rates and terms with all other loan programs. Delve into and assess options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Utilizing data from thousands of lenders, Lendersa® swiftly compares it against your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Homewood county of Jefferson, AL offers a comparison of maximum amounts across a spectrum of loans: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing requirements like income, reserves, and credit, make use of 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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