For the year 2026, FHA loan limits in Semmes, Mobile county, AL, are set at $472,030 for a single-family dwelling. If you’re considering 2-unit properties, the threshold is $604,400, while for 3-units, it rises to $730,525, and for 4-units, the limit is $907,900.
For conventional loans, the single-family home cap stands at $726,200. Those with 2 units see a maximum of $929,850, and for 3-units, it climbs to $1,123,900. If the property consists of 4 units, the limit increases to $1,396,800.
To explore today’s leading FHA rates, utilize our specialized FHA calculator. It helps in determining required downpayment, examining income requirements, credit scores, reserves, and documentation necessary for eligibility.
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The Lendersa® calculator allows you to compare FHA rates and terms with a range of other programs. Dive into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This tool facilitates a comprehensive comparison of various financial products.
Lendersa® compiles detailed program data from thousands of lenders, permitting rapid comparisons that align with your personal financial profile and needs.
Consult the 2026 Loan Limits Comparison Table for Semmes, Mobile, AL to examine FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loans. For further insights into qualification criteria like income, reserves, and credit standards, make use of 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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