In the year 2026, the FHA loan limit in Montevallo, situated within Shelby county, AL, is established at $472,030 for a single-family home. For properties with 2-units, the limit is $604,400, for those with 3-units, it rises to $730,525, and for 4-unit homes, it reaches $907,900.
When considering conventional loans, the maximum amount for a single-family house is $726,200. If the property has 2 units, it is increased to $929,850, and for 3-unit dwellings, the cap is $1,123,900, with a top limit of $1,396,800 for 4-units.
To evaluate today's most favorable FHA rates, see our FHA calculator which can also help you determine the necessary down payment, assess income, credit requirements, reserves, and essential documents needed for qualification.
Utilize the Lendersa® calculator to make an informed comparison between the rates and terms of FHA loans and those offered by other mortgage products. This includes options like Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans.
By acquiring comprehensive loan program data from thousands of lenders, Lendersa® rapidly aligns these options against your unique financial profile and personal needs, delivering results in a matter of seconds.
This year's Loan Limits Comparison Table for 2026 in Montevallo, within Shelby county, AL, provides a detailed look into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. For those interested in digging deeper into qualification requirements, such as income, reserves, and credit history, we recommend the use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a comprehensive evaluation.
| 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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