For the year 2026, in Jackson county located in AL, the FHA loan ceilings stand at $472,030 for a single-family dwelling, $604,400 for dual units, $730,525 for triple units, and $907,900 for four-unit properties within Scottsboro.
Conversely, conventional loan caps for a one-family home are $726,200, rising to $929,850 for two-unit homes, $1,123,900 for three-unit dwellings, and $1,396,800 for properties with four units.
Take advantage of our FHA calculator to explore current optimal rates, and find out the necessary downpayment, income, and credit requirements, including reserves and documents to proceed with qualification.
With the Lendersa® calculator, you can assess FHA rates and conditions alongside rates and terms of other loan types. Dive into comparing Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA offerings.
Lendersa® leverages a vast array of loan information from numerous lending institutions and does so within seconds to determine the best fits for your financial profile and goals.
In 2026, a Loan Limits Comparison Table for the Scottsboro region within Jackson, AL provides insight on maximum loan figures for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan categories. To thoroughly compare the qualifying conditions, including income, reserves, and credit prerequisites, 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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