For 2026, in Wilmington, New Castle, DE, the FHA loan limits are set at $529,000 for a single-family home, $677,200 for 2-unit properties, $818,600 for 3-units, and $1,017,300 for 4-units.
The maximum loan amounts for conventional loans are $726,200 for a single-family home, growing to $929,850 for 2-units, $1,123,900 for 3-units, and reaching $1,396,800 for homes with 4 units.
Utilize our FHA calculator to see today’s top FHA rates and assess necessary factors like downpayment, income, credit requirements, reserves, and required documents for qualification.
With the Lendersa® calculator, you can contrast FHA rates and terms with those of various other loan programs. Explore and evaluate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® swiftly gathers loan program data from a multitude of lenders, providing tailored comparisons that match your financial profile and needs.
This year's Loan Limits Comparison Table for Wilmington county of New Castle, DE, includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification standards such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $529,000 | $677,200 | $818,600 | $1,017,300 |
| 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 | $381,800 | $381,800 | $381,800 | $381,800 |
| 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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