Current FHA Mortgage Rates in AL - Alabama FHA mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Alabama Mortgages

2022 FHA Loan Limits for Alabama

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in Alabama are below.

County Name One Family Two Family Three Family Four Family
Autauga One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Baldwin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Barbour One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bibb One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Blount One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bullock One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Butler One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Calhoun One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chambers One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cherokee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chilton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Choctaw One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clarke One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cleburne One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Coffee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Colbert One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Conecuh One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Coosa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Covington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Crenshaw One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cullman One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dale One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dallas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dekalb One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Elmore One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Escambia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Etowah One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fayette One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Geneva One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Greene One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hale One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Henry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Houston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jackson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jefferson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lamar One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lauderdale One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lawrence One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Limestone One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lowndes One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Macon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marengo One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marion One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marshall One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mobile One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Monroe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montgomery One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Morgan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Perry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pickens One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pike One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Randolph One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Russell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Shelby One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Clair One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sumter One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Talladega One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tallapoosa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tuscaloosa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Walker One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wilcox One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Winston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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