In 2026, FHA loan limits for Kathleen county of Polk, FL, are set at $472,030 for a single-family home, $604,400 for a 2-unit property, $730,525 for 3-units, and $907,900 for 4-units.
For conventional loans, the maximum on a single-family home is $726,200 with $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to identify today’s top FHA rates and compute the needed downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator enables comparison of FHA rates and terms with those of other loan programs. Examine options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® gathers data from thousands of lenders to quickly align with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Kathleen county, Polk, FL, highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualifications like income, reserves, and credit.
| 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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