As of 2026, FHA loan limits in Phenix-City county, Russell, AL are defined as follows: $356,362 for single-family homes, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
For conventional loans, the maximum amounts are set at $548,250 for one-family residences, $702,000 for two-unit properties, $848,500 for three-unit homes, and $1,054,500 for residences with four units.
Our FHA calculator provides access to today’s top FHA rates and helps you determine the needed downpayment, income, credit score, reserves, and the necessary documents for loan qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with those of other loan programs. Delve into the possibilities of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
With data from thousands of lenders, Lendersa® swiftly compares these programs against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Phenix-City county, Russell, AL provides maximum amounts for a wide range of loans including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating qualification criteria like income, reserves, and credit, utilize 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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