For the year 2025, the FHA loan cap in the county of Elmore, AL, particularly in Wetumpka, is as follows: $472,030 for a single-family home, $604,400 for a property with two units, $730,525 for a three-unit structure, and $907,900 for four units.
Conversely, conventional loan parameters allow a maximum of $726,200 for single-family homes. For two-unit buildings, the limit is $929,850; for three-unit properties, it's $1,123,900; and $1,396,800 is the cap for four-unit residences.
Make use of our FHA calculator to determine the most competitive FHA rates available today. It will assist in computing the necessary down payment, evaluating income, credit score, reserve requirements, and required documentation for eligibility.
The Lendersa® calculator allows an efficient comparison of FHA rates and conditions with a wide array of other loan programs. These include all types like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, compared directly with FHA terms.
A vast collection of data from numerous lenders is at Lendersa®'s disposal, enabling rapid alignment of their lending programs with your unique financial profile and requirements.
For the current year, 2025, utilize the Loan Limits Comparison Table to scrutinize maximum allowable loans across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM) categories in addition to hard money loans, all within Wetumpka county of Elmore, AL. To delve further into eligibility criteria such as income thresholds, reserve necessities, and credit benchmarks, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is an invaluable resource.
| 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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