In 2026, the FHA loan limits for Roanoke in Randolph county, AL, are: $472,030 for a single-family home; $604,400 for a 2-unit structure; $730,525 for 3-unit buildings; and $907,900 for those with 4 units.
Regarding conventional loans, a single-family home can borrow up to $726,200. For a two-unit property, the borrowing limit is $929,850; for three units, it's $1,123,900; and for four units, the cap is $1,396,800.
Our FHA calculator offers today's best FHA rates, assisting in calculating the required downpayment, income requirements, credit standards, reserves, and essential documents for qualification.
The Lendersa® calculator provides a comparison of FHA loan rates and terms with those from other financing options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Assess and compare these choices side by side.
Lendersa® compiles exhaustive data from thousands of lending resources, swiftly aligning them with your specific financial situation and needs for an efficient comparison.
Reference the Loan Limits Comparison Table for 2026, based in Roanoke, Randolph, AL, to explore the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess income, reserves, and credit criteria.
| 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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