FHA VS Conventional loan programs in 2026 for Bear, New Castle County, Delaware

During 2026, the Conventional loan limit for Bear, located in New Castle county, DE, reaches $726,200. Additionally, the FHA limit for a single-family home is $529,000.

Employ the Lendersa® Conventional loan calculator for comparing today’s top rates among Conventional, FHA, and USDA loans. Identify the necessary income, credit, reserves, and documentation required for approval. Our comprehensive mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA options, facilitating an informed decision for the optimal program in DE.

Explore loan offers from an assortment of 100 lenders

2026 Loan Limits and Downpayment Specifications in Bear, New Castle County, DE

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $381,800 0%
FHA $529,000 3.5%

The data in this table applies to zip codes: 19701

Available Conventional and FHA Loan Opportunities in Bear, DE

Lendersa® aims to provide you with the premier Conventional, USDA, or FHA loan quickly and without complication. Choose from one of three methods leading to suitable lenders and loan programs.

Lendersa USDA loan inquiry and results


Bear Lenders

  • Integrity First Mortgage LLC
  • 9 Peddlers Row, Newark, DE, 19702
  • Lends in Delaware
  • Integrity first Mortgage Company, our goal is to make it easy and affordable for borrowers to find solutions to their financial challenges. As a result, we make the process easy for you to get the loan you need. Above all, Integrity First Mortgage provides lending on a large variety of residential properties throughout

  • Highlands Mortgage, LLC
  • 56 W. Main Street, Suite 102-A, Newark, DE, 19702
  • Lends in Delaware
  • Highlands Mortgage is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Louviers Federal Credit Union
  • 4643 Ogletown Stanton Rd, Newark, DE, 19713
  • Lends in Delaware
  • Louviers Federal Credit Union was chartered in 1968 and has operated continuously in New Castle County since its inception. Our primary mission is to serve the financial needs of those individuals that share our core common bond. We remain a sound and well-managed institution dedicated to providing service to our membership.

  • Union Home Mortgage Corp
  • 200 Continental Dr, Suite 401, Newark, DE, 19713
  • Lends in Delaware
  • Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.

  • New Castle County Delaware Employee Federal Credit Union
  • 100 New Churchmans Rd, New Castle, DE, 19720
  • Lends in Delaware
  • Your Credit Union is a not-for-profit financial cooperative providing the best service to our most important assets – our members. All credit unions in Delaware are charted under Federal Law. We are regulated by the National Credit Union Administration (NCUA), an independent agency of the U.S. Government.

  • All4You Federal Credit Union
  • 2320 N Dupont Hwy, New Castle, DE, 19720
  • Lends in Delaware
  • All4You FCU is a not-for-profit, existing exclusively to provide members with financial products at the lowest cost possible with excellent, personalized service. All earnings are returned to members through lower rates, higher dividends and fewer fees. Our field of membership extends to anyone who lives, works, worships or attends school.

  • 1st State Mortgage
  • 2100 Drummond Plaza, Bldg 2, Newark, DE, 19711
  • Lends in Delaware
  • Our Mission is to provide our clients with timely & detailed knowledge, as well as exceptional customer service & communication throughout the entire mortgage process. Our local, friendly & professional team ensures a smooth experience from application to closing. The Mortgage Consultants at 1st State Mortgage are experienced VA home loan experts.

  • Delaware Financial Mortgage
  • 22 Polly Drummond Hill Road, Newark, DE, 19711
  • Lends in Delaware
  • Delaware Financial Mortgage, we can help. An area expert for over 15 years, we are a full-service mortgage company based in Newark, DE. Whether you are buying a home or refinancing our team of professionals and We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products.

  • Pike Creek Mortgage Services, Inc.
  • 2100 Drummond Plaza, Bldg. 2, Newark, DE, 19711
  • Lends in Delaware
  • "Pike Creek Mortgage Services, Inc. has a history of providing consistent and dependable service. We are pleased to offer customized, trusted solutions to meet your home buying needs, no matter what the existing market conditions.

    With over 24 years experience in the mortgage industry, our qualified,"