FHA Loan Limits in Alabama (2026)
For 2026, the FHA loan limit in most Alabama counties is $541,287 for a single-family home. Alabama has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Alabama
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mobile County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montgomery County | $541,287 | $692,997 | $1,041,072 | Standard |
| Shelby County | $541,287 | $692,997 | $1,041,072 | Standard |
| Baldwin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tuscaloosa County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Morgan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Calhoun County | $541,287 | $692,997 | $1,041,072 | Standard |
| Etowah County | $541,287 | $692,997 | $1,041,072 | Standard |
| Houston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marshall County | $541,287 | $692,997 | $1,041,072 | Standard |
| Limestone County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cullman County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Clair County | $541,287 | $692,997 | $1,041,072 | Standard |
| Elmore County | $541,287 | $692,997 | $1,041,072 | Standard |
| Talladega County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lauderdale County | $541,287 | $692,997 | $1,041,072 | Standard |
| Walker County | $541,287 | $692,997 | $1,041,072 | Standard |
| Autauga County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dale County | $541,287 | $692,997 | $1,041,072 | Standard |
| Russell County | $541,287 | $692,997 | $1,041,072 | Standard |
| DeKalb County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Alabama
FHA loans are popular with first-time buyers in Alabama because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Alabama for 2026?
- Most Alabama counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Alabama?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.