In 2026, the FHA loan limits for Palm-River-Clair-Mel, part of Hillsborough county, FL, are established at $356,362 for a single-family home, $456,275 for two-unit properties, $551,500 for three-unit buildings, and $685,400 for four-unit residences.
Conventional loan ceilings for a single-family home are set at $548,250, with $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for complexes with four units.
Utilize our FHA calculator to discover today's best FHA interest rates and determine the necessary downpayment, income verification, credit score, reserves needed, and essential documentation for qualification.
The Lendersa® calculator provides you with the ability to compare FHA rates and terms alongside all other loan program offers. Delve into and compare options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in addition to FHA.
With data sourced from thousands of lenders, Lendersa® swiftly evaluates this information in context with your personal financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Palm-River-Clair-Mel, located in Hillsborough, FL, enables comparison of maximum loan amounts available through FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lenders. To effectively compare qualification criteria such as income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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