For the year 2026, the FHA loan limits set for Mobile county, part of Mobile, AL, are detailed as follows: a single-family home is capped at $472,030. The limits for properties with two units, three units, and four units stand at $604,400, $730,525, and $907,900 respectively.
As for conventional loans, the highest loan permissible for a single-family residence is $726,200. For a two-unit property, the maximum is set at $929,850; for three units, it amounts to $1,123,900; and for four-unit dwellings, it's pegged at $1,396,800.
Utilize our FHA calculator, specifically tailored for today’s FHA best rates, to calculate the necessary downpayment and understand the income, credit score, reserves, and documentation required for qualification.
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The Lendersa® calculator is a powerful tool designed to allow users to compare the rates and terms of FHA loans alongside those of other loan programs. You can delve into and analyse Conventional loans, Jumbo loans, VA, USDA, Non-QM, and also explore hard money loans, alongside FHA.
Lendersa® has the capability to access an extensive range of loan program data from numerous lenders and swiftly aligns this information with your individual financial profile and needs in mere seconds.
For the current year 2026, within Mobile county of Mobile, AL, the Loan Limits Comparison Table offers a comprehensive view of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine and compare the qualification criteria such as your income, reserves, and credit, you may effectively utilize 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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