For the year 2026, the FHA loan limits in Irondale, located in Jefferson county, AL, are $472,030 for a single-family home, $604,400 for a property with two units, $730,525 for three units, and $907,900 for four-unit properties.
The upper limit for conventional loans on a single-family dwelling reaches $726,200, climbing to $929,850 for two-unit homes, $1,123,900 for three-unit residences, and hitting $1,396,800 for homes with four units.
Utilize our FHA calculator today to discover the best FHA rates currently available, helping you determine necessary downpayments, income thresholds, credit standings, and the documents needed to qualify.
The Lendersa® calculator allows you to juxtapose FHA rates and terms with the options available from other loan programs. Examine and compare offerings from Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
Lendersa® aggregates data from a multitude of lenders, swiftly providing comparisons tailored to your distinct financial profile and needs.
For the year 2026, the Loan Limits Comparison Table specifically for the area of Irondale in Jefferson, AL, presents a detailed comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To analyze qualification essentials like income, reserves, and credit, employ 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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