Veterans with full entitlement have no VA loan limit in Alabama. With reduced entitlement, 2026 county limits in Alabama range from $832,750 to $832,750 (Autauga County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Alabama (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Autauga County | $832,750 | $541,287 |
| Baldwin County | $832,750 | $541,287 |
| Barbour County | $832,750 | $541,287 |
| Bibb County | $832,750 | $541,287 |
| Blount County | $832,750 | $541,287 |
| Bullock County | $832,750 | $541,287 |
| Butler County | $832,750 | $541,287 |
| Calhoun County | $832,750 | $541,287 |
| Chambers County | $832,750 | $541,287 |
| Cherokee County | $832,750 | $541,287 |
| Chilton County | $832,750 | $541,287 |
| Choctaw County | $832,750 | $541,287 |
| Clarke County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Cleburne County | $832,750 | $541,287 |
| Coffee County | $832,750 | $541,287 |
| Colbert County | $832,750 | $541,287 |
| Conecuh County | $832,750 | $541,287 |
| Coosa County | $832,750 | $541,287 |
| Covington County | $832,750 | $541,287 |
| Crenshaw County | $832,750 | $541,287 |
| Cullman County | $832,750 | $541,287 |
| Dale County | $832,750 | $541,287 |
| Dallas County | $832,750 | $541,287 |
| DeKalb County | $832,750 | $541,287 |
| Elmore County | $832,750 | $541,287 |
| Escambia County | $832,750 | $541,287 |
| Etowah County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Geneva County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Hale County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Houston County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Lamar County | $832,750 | $541,287 |
| Lauderdale County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Limestone County | $832,750 | $541,287 |
| Lowndes County | $832,750 | $541,287 |
| Macon County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Marengo County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Mobile County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Pickens County | $832,750 | $541,287 |
| Pike County | $832,750 | $541,287 |
| Randolph County | $832,750 | $541,287 |
| Russell County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| St. Clair County | $832,750 | $541,287 |
| Sumter County | $832,750 | $541,287 |
| Talladega County | $832,750 | $541,287 |
| Tallapoosa County | $832,750 | $541,287 |
| Tuscaloosa County | $832,750 | $541,287 |
| Walker County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wilcox County | $832,750 | $541,287 |
| Winston County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Alabama?
Veterans with full entitlement have no VA loan limit in Alabama. With reduced entitlement, 2026 county limits in Alabama range from $832,750 to $832,750 (Autauga County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.