VA Loan Limits in Alabama (2026)
For 2026, the VA county loan limit for most Alabama counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Alabama has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Alabama — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Alabama
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Jefferson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mobile County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Madison County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montgomery County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Shelby County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Baldwin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Tuscaloosa County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Morgan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Calhoun County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Etowah County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Houston County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marshall County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Limestone County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cullman County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Clair County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Elmore County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Talladega County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lauderdale County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Walker County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Autauga County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dale County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Russell County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| DeKalb County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Alabama's median home price is roughly $230,000. With $0 down and no PMI, an example VA payment near that price is about $1,642/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Alabama
The VA home-loan benefit lets eligible Alabama veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
Never Miss a VA Rate Drop
VA rates move daily and an IRRRL can save thousands. We will tell you the moment it makes sense.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Alabama for 2026?
- With full entitlement, none. For partial entitlement, most Alabama counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Alabama require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.