In 2026, the FHA loan limits established for Clayton county of Kent, DE: $472,030 applies to a single-family home, while $604,400 is for two units, $730,525 for three units, and $907,900 for four units.
The maximum amount for conventional loans is $726,200 for single-family homes, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to discover today’s best FHA rates and to determine necessary downpayment, income, credit, reserves, and document requirements for qualification.
With the Lendersa® calculator, you can effectively compare FHA rates and terms with those from other loan programs, such as conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly acquires loan program data from thousands of lenders and matches it with your unique financial profile and needs.
Our Loan Limits Comparison Table for 2026, available in Clayton county of Kent, DE, lets you compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For qualification requirement comparisons 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 | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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