For the year 2026, the FHA loan limits in the county of Mobile, located in Theodore, AL, are set as follows: $472,030 for a single-family house, $604,400 for a 2-unit building, $730,525 for 3-unit properties, and $907,900 for 4-unit dwellings.
In the realm of conventional loans, the maximum borrowing amount for a single-family home is $726,200. It increases to $929,850 for houses with 2-units, $1,123,900 for 3-units, and $1,396,800 for homes that accommodate 4-units.
Leverage our FHA calculator to find today's ideal FHA rates, and ascertain the requirements for downpayments, income, credit score, reserves, and the necessary documents for loan qualification.
The Lendersa® calculator provides a way to compare FHA loan rates and terms against other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By gathering data from a wide array of lenders, Lendersa® delivers prompt comparisons that fit your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026, set in Theodore, Mobile, AL, helps you evaluate the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification criteria such as income, reserves, and credit, use 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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