For 2026, within Trussville county, Jefferson, AL, the FHA loan limit stands at $472,030 for a single-family home. For two-unit properties, the limit is $604,400; for three-unit residences, it's $730,525; and for four-unit homes, the cap reaches $907,900.
The highest amount allowed for conventional loans on single-family units is $726,200. It is $929,850 for two-unit structures, $1,123,900 for three-unit buildings, and $1,396,800 for homes with four units.
Use our FHA calculator to access today’s top FHA rates and ascertain the needed downpayment, income levels, credit qualifications, reserves, and documentation required for eligibility.
With the Lendersa® calculator, you can effectively compare the rates and terms offered by FHA loans against those of various other loan programs. Delve into options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates extensive loan program data from thousands of lenders to provide rapid comparisons tailored to your specific financial details and requirements.
The 2026 Loan Limits Comparison Table in Trussville county, Jefferson, AL showcases the maximum loan amounts for various products, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification criteria such as income, reserves, and credit needed.
| 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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