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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.

The loan limits below are the maximum 2021, $0 down VA loan amount set for each county. Although there is no maximum loan amount, the maximum no money down VA home loan limits are stated as follows.

  1. Autauga County: $548,250
  2. Baldwin County: $548,250
  3. Barbour County: $548,250
  4. Bibb County: $548,250
  5. Blount County: $548,250
  6. Bullock County: $548,250
  7. Butler County: $548,250
  8. Calhoun County: $548,250
  9. Chambers County: $548,250
  10. Cherokee County: $548,250
  11. Chilton County: $548,250
  12. Choctaw County: $548,250
  13. Clarke County: $548,250
  14. Clay County: $548,250
  15. Cleburne County: $548,250
  16. Coffee County: $548,250
  17. Colbert County: $548,250
  18. Conecuh County: $548,250
  19. Coosa County: $548,250
  20. Covington County: $548,250
  21. Crenshaw County: $548,250
  22. Cullman County: $548,250
  23. Dale County: $548,250
  24. Dallas County: $548,250
  25. Dekalb County: $548,250
  26. Elmore County: $548,250
  27. Escambia County: $548,250
  28. Etowah County: $548,250
  29. Fayette County: $548,250
  30. Franklin County: $548,250
  31. Geneva County: $548,250
  32. Greene County: $548,250
  33. Hale County: $548,250
  34. Henry County: $548,250
  35. Houston County: $548,250
  36. Jackson County: $548,250
  37. Jefferson County: $548,250
  38. Lamar County: $548,250
  39. Lauderdale County: $548,250
  40. Lawrence County: $548,250
  41. Lee County: $548,250
  42. Limestone County: $548,250
  43. Lowndes County: $548,250
  44. Macon County: $548,250
  45. Madison County: $548,250
  46. Marengo County: $548,250
  47. Marion County: $548,250
  48. Marshall County: $548,250
  49. Mobile County: $548,250
  50. Monroe County: $548,250
  51. Montgomery County: $548,250
  52. Morgan County: $548,250
  53. Perry County: $548,250
  54. Pickens County: $548,250
  55. Pike County: $548,250
  56. Randolph County: $548,250
  57. Russell County: $548,250
  58. Shelby County: $548,250
  59. St Clair County: $548,250
  60. Sumter County: $548,250
  61. Talladega County: $548,250
  62. Tallapoosa County: $548,250
  63. Tuscaloosa County: $548,250
  64. Walker County: $548,250
  65. Washington County: $548,250
  66. Wilcox County: $548,250
  67. Winston County: $548,250

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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