For the year 2026, the FHA loan limits set for Montgomery county within the boundaries of Montgomery, AL, include $472,030 designated for single-family homes, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for four-unit properties.
In terms of conventional loans, the highest borrowing limits for a single-family dwelling are $726,200, extending to $929,850 for dual-unit homes, $1,123,900 for three-unit domiciles, and reaching up to $1,396,800 for structures with four units.
By utilizing our FHA calculator, you can view today's optimal FHA rates and calculate the required downpayment, as well as understand the income levels, credit standing, reserves, and necessary documents for loan qualification.
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The Lendersa® calculator is a powerful tool that enables comparisons of FHA rates and terms with those of other loan programs. You can explore and evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, alongside hard money loans and FHA offerings.
Lendersa® aggregates an extensive database of loan program data from thousands of lenders, effectively matching it to your specific financial situation and needs in a matter of seconds.
For the current 2026 in Montgomery county of Montgomery, AL, the Loan Limits Comparison Table provides a detailed view of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgages (HECM), as well as hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a detailed comparison of eligibility criteria, including income, reserves, and credit requirements.
| 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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