For the year 2026, the FHA loan ceiling in Dale county, situated in AL, is set at $472,030 for a single-family residence, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit homes within Ozark.
In contrast, the highest conventional loan limit for a single-family property is $726,200, with limits of $929,850 for two-unit dwellings, $1,123,900 for three units, and $1,396,800 for properties comprising four units.
Utilize our FHA calculator to unveil today's optimal FHA rates and ascertain the necessary qualifications such as downpayment, income, and credit reserves, along with the required documentation.
The Lendersa® calculator aids in comparing FHA loan rates and terms with those of other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® rapidly collects data from thousands of lenders to match it with your financial profile and specific needs for comparison.
The 2026 Loan Limits Comparison Table for the region of Ozark in Dale, AL, features a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To accurately compare qualification criteria like income, reserves, and credit, utilize 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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