For 2026, in the county of Jefferson located in Mountain-Brook, AL, FHA loan limits are $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
Conventional loans have maximum amounts as follows: $548,250 for single-family homes, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to get today’s best FHA rates and determine the needed downpayment, income, credit score, reserves, and documents to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms alongside other loan programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA.
Lendersa® quickly gathers loan program data from thousands of lenders and compares it with your specific financial profile and needs.
The Loan Limits Comparison for 2026 in Mountain-Brook county, Jefferson, AL includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit score requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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