During 2026, in the county of St. Clair, located in AL, the FHA loan limits for Moody are established at $472,030 for a single-family home, $604,400 for dwellings with two units, $730,525 for those with three units, and $907,900 for properties featuring four units.
The maximum loan amount permitted for conventional loans starts at $726,200 for a single-family home, ascending to $929,850 for two-unit residences, $1,123,900 for three units, and caps at $1,396,800 for four-unit properties.
By using our FHA calculator, you can access the best available FHA rates today, identify the necessary downpayment, income levels, credit score requirements, and the reserves and documents needed to secure qualification.
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The Lendersa® calculator provides a thorough comparison of FHA rates and terms with other loan program offerings like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources expansive loan program data from an array of lenders, delivering instant comparisons aligned with your unique financial situation and necessities.
Within the 2026 context, the Loan Limits Comparison Table presents contrasts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. This is available for Moody in the county of St. Clair, AL. To assess qualifications such as income, reserve status, and credit characteristics, make use of 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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