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Alabama VA Home Loan Limits

alabama state va home loan

Named after the Alabama Tribe, who occupied the area between the Tallapoosa and Coosa Rivers, the state of Alabama is located in the southern portion of the country and is known for its scenic landscape and culinary prowess. Noted for a culture rooted in “Southern hospitality”, locals are widely considered cordial and helpful. A study of contrasts, Alabama was the capital of the Civil War era confederacy as well as a center for the Civil Rights movement of 1960s. The state has a population of over 4.8 million, with the capital being Montgomery, and the largest city being Birmingham. Prior to European settlement, indigenous peoples occupied the area for thousands of years. At the time of first contact, area tribes included the Cherokee, Alabama, Chickasaw, Choctaw, Creek and Koasati. In 1540, Hernando de Soto, led the first European exploration of the state. In 1702, France developed the first European Settlement in the area at Old Mobile. The area changed hands from France to Great Brittan following the Seven Years War as West Florida. Alabama was admitted into the union as the 22nd state in December of 1819.

Following the Civil War, like most Southern States who relied economically on agriculture, Alabama suffered from the financial disenfranchisement for many years. Today, the local economy is varied. The state has invested in aerospace, education, healthcare, banking, manufacturing, and mineral extraction. The total gross state product for Alabama is in the range $170 billion. The per capita income is $22,984. Agricultural output from the state includes poultry, eggs, cattle, fish, peanuts, cotton, and grains.

Must see attractions in the state are Helen Keller’s Home, the U.S. Space and Rocket Center, and The Birmingham Civil Rights Institute. The National Shrimp Festival is among the most popular events in the state with more than 200,000 people attending it annually. Perhaps the biggest attractions in the state are collegiate football games at the University of Alabama as well as Auburn University. The yearly Iron Bowl between both schools football program is one of if not the biggest college sporting event in the country.

418, 035 of the states residents are veterans. The majority of veterans who call Alabama home served in the Vietnam and Gulf Wars. Additionally, Alabama is home to seven military bases including Fort Rucker, Fort McClellan, Redstone Arsenal, Anniston Army Depot, Maxwell Air Force Base, Gunter Annex and Sector Mobile. There are 66,199 current service members living the state.

The state has a homeownership rate of just over 70 percent, and in 2012, the median selling price for a home was $118, 280.

In order to obtain a VA home loan in the state of Alabama, a termite inspection is required for all types of property. Veterans in Alabama are entitled to receive a full exemption on their home if their disability rating is 100 percent, and their net income is less than $12,000.


NOTE: The following is for information purposes only.

To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 888-573-4496 or fill out the VA Home Loan Application located here.

As of 2020, counties come with $0 down and a $3 million VA loan limit. 

  1. Autauga County VA Home Loan Limit
  2. Baldwin County VA Home Loan Limit
  3. Barbour County VA Home Loan Limit
  4. Bibb County VA Home Loan Limit
  5. Blount County VA Home Loan Limit
  6. Bullock County VA Home Loan Limit
  7. Butler County VA Home Loan Limit
  8. Calhoun County VA Home Loan Limit
  9. Chambers County VA Home Loan Limit
  10. Cherokee County VA Home Loan Limit
  11. Chilton County VA Home Loan Limit
  12. Choctaw County VA Home Loan Limit
  13. Clarke County VA Home Loan Limit
  14. Clay County VA Home Loan Limit
  15. Cleburne County VA Home Loan Limit
  16. Colbert County VA Home Loan Limit
  17. Conecuh County VA Home Loan Limit
  18. Coosa County VA Home Loan Limit
  19. Covington County VA Home Loan Limit
  20. Crenshaw County VA Home Loan Limit
  21. Cullman County VA Home Loan Limit
  22. Dale County VA Home Loan Limit
  23. Dallas County VA Home Loan Limit
  24. Dekalb County VA Home Loan Limit
  25. Elmore County VA Home Loan Limit
  26. Escambia County VA Home Loan Limit
  27. Etowah County VA Home Loan Limit
  28. Fayette County VA Home Loan Limit
  29. Franklin County VA Home Loan Limit 
  30. Geneva County VA Home Loan Limit 
  31. Greene County VA Home Loan Limit
  32. Hale County VA Home Loan Limit
  33. Henry County VA Home Loan Limit
  34. Houston County VA Home Loan Limit
  35. Jackson County VA Home Loan Limit
  36. Jefferson County VA Home Loan Limit
  37. Lamar County VA Home Loan Limit
  38. Lauderdale County VA Home Loan Limit
  39. Lawrence County VA Home Loan Limit
  40. Lee County VA Home Loan Limit
  41. Limestone County VA Home Loan Limit
  42. Lowndes County VA Home Loan Limit
  43. Macon County VA Home Loan Limit
  44. Madison County VA Home Loan Limit
  45. Marengo County VA Home Loan Limit
  46. Marion County VA Home Loan Limit
  47. Marshall County VA Home Loan Limit
  48. Mobile County VA Home Loan Limit
  49. Monroe County VA Home Loan Limit
  50. Montgomery County VA Home Loan Limit
  51. Morgan County VA Home Loan Limit
  52. Perry County VA Home Loan Limit
  53. Pickens County VA Home Loan Limit
  54. Pike County VA Home Loan Limit
  55. Randolph County VA Home Loan Limit
  56. Russell County VA Home Loan Limit
  57. St Clair County VA Home Loan Limit
  58. Sumter County VA Home Loan Limit
  59. Talladega County VA Home Loan Limit
  60. Tallapoosa County VA Home Loan Limit
  61. Tuscaloosa County VA Home Loan Limit
  62. Walker County VA Home Loan Limit
  63. Washington County VA Home Loan Limit
  64. Wilcox County VA Home Loan Limit
  65. Winston County VA Home Loan Limit

The following military installations are located in the state of Alabama:

Anniston Army Depot, Brookley Air Force Base, Dauphin Island Air Force Station, Eufaula Air Force Station, Hanchey Army Heliport, Lowe Army Heliport, Maxwell Air Force Base, Redstone Arsenal, Thomasville Air Force Station

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