During the year 2026, in the county of Baldwin, nestled within Orange-Beach, AL, FHA loan limits are structured as follows: for a single-family home, the limit is $356,362. For a 2-unit property, it is $456,275, a 3-unit building allows up to $551,500, and for 4-units, the maximum is $685,400.
For conventional loans, the highest amount allowable for a single-family home is $548,250. The limit rises to $702,000 for 2-unit residences, $848,500 for those with 3-units, and reaches $1,054,500 for 4-unit properties.
Take advantage of our FHA calculator to explore today’s most competitive FHA rates, and determine what you need regarding down payments, income, credit requirements, reserves, and documentation for qualification.
The Lendersa® calculator is ideal for comparing FHA rates and terms with those of various loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® draws on data collected from a vast number of lenders and swiftly aligns it with your specific financial profile and needs, delivering comparisons almost instantly.
The Loan Limits Comparison Table for 2026 in Orange-Beach county of Baldwin, AL provides a detailed look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification details like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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