During 2026, the FHA loan limits in Lutz, found in Hillsborough county, FL, are defined as follows: $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for properties with four units.
The limit for conventional loans reaches $726,200 for single-family dwellings, extending to $929,850 for two-unit homes, $1,123,900 for three-unit structures, and maxing out at $1,396,800 for four-unit buildings.
Engage with our FHA calculator to explore today's premium FHA rates and determine the necessary downpayment, income requirements, credit evaluations, reserves, and essential documentation for qualification.
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The Lendersa® calculator is an essential tool to match FHA rates and terms against those of other loan options. Dive into comparisons between Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® collects data from thousands of lending institutions and efficiently aligns the information with your distinct financial profile and needs, delivering tailored recommendations.
Use the Loan Limits Comparison Table for 2026 in Lutz within Hillsborough, FL, to evaluate maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lenders. To effectively assess qualification needs—such as income, reserves, and credit—rely on 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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