In 2026, the FHA loan limits for Smyrna county of Kent, DE, are set at $472,030 for a single-family residence, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The highest amount for conventional loans on a single-family property is $726,200, progressing to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Utilize our FHA calculator to check today’s top FHA rates, and determine the downpayment, income, credit, reserves, and documents needed for qualification.
Lendersa® calculator allows you to compare FHA rate & terms with other loan program offerings. Explore the variations of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® compiles extensive loan data from thousands of lenders, providing quick comparisons matching your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Smyrna county of Kent, DE, offers a side-by-side look at maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine income, reserves, and credit eligibility, use the 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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