Alabama FHA Loan Limits 2026

View FHA loan limits for all 67 counties in Alabama. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$541,287

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Alabama has 67 standard-limit counties. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Autauga County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Baldwin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barbour County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bibb County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Blount County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bullock County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Calhoun County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chambers Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cherokee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chilton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Choctaw County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clarke County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cleburne Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coffee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Colbert County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Conecuh County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coosa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Covington Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crenshaw Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cullman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dale County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dallas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dekalb County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Elmore County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Escambia Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Etowah County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fayette County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Geneva County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greene County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hale County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Henry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Houston County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lamar County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lauderdale Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lawrence Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Limestone Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lowndes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Macon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marengo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marshall Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mobile County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Monroe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morgan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Perry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pickens County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pike County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Randolph Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Russell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shelby County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Clair Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sumter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Talladega Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tallapoosa Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tuscaloosa Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Walker County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilcox County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Winston County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Alabama

Use the calculator below with Alabama pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

Free, no obligation. Local professionals compete to help you.

Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

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Understanding FHA Loan Limits in Alabama

FHA loan limits in Alabama vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Alabama's single-family FHA limits range from $541,287 to $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.