In the year 2026, the FHA loan limits in Kotzebue county of Northwest Arctic, AK stand at $472,030 for a single-family home, $604,400 for two-unit dwellings, $730,525 for three-unit houses, and $907,900 for four-unit properties.
For conventional loans, the highest loan amount for a single-family residence is $1,089,300. For a property with two units, it's $1,394,775; for three-unit buildings, it's $1,685,850; and for four-unit homes, the cap is $2,095,200.
Our FHA calculator helps you explore today’s best rates, and it details the required downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Gathering data from thousands of lenders, Lendersa® quickly matches this information to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Kotzebue county, Northwest Arctic, AK, enables comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria like income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $390,500 | $390,500 | $390,500 | $390,500 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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