For 2026, the FHA loan limits in Madison county of Madison, AL are established as $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for properties with four units.
The highest allowable loan amounts for conventional loans on a single-family home are $726,200. For two-unit properties, the limit stands at $929,850, moving to $1,123,900 for three-unit structures, and reaching $1,396,800 for those with four units.
Utilize our FHA calculator to check today's most favorable FHA rates and ascertain the necessary downpayment, income, credit rating, reserves, and documentation required for qualification.
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The Lendersa® calculator allows you to effectively compare the rates and terms of FHA loans against all other potential loan program rates and terms. Dive into comparisons of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA opportunities.
Drawing on data aggregated from thousands of lenders, Lendersa® quickly evaluates and contrasts these offerings against your unique financial situation and needs.
For 2026, the Loan Limits Comparison Table in Madison county of Madison, AL provides a detailed overview of maximum loan amounts across various products including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), as well as hard money loans. Leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirements surrounding income, reserves, and credit.
| 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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