In 2026, the FHA loan limit for Harlan county within Shelby, IA stands at $472,030 for a single-family home. For two-unit properties, the limit is $604,400, for three-unit dwellings it's $730,525, and for four-unit buildings, it reaches $907,900.
Conventional loan maximums for a single-family residence are $726,200. Limits rise to $929,850 for two units, $1,123,900 for three units, and top out at $1,396,800 for four-unit properties.
Utilize our FHA calculator to discover top FHA rates available today and determine the downpayment, income, credit score, reserves, and documents required to qualify.
The Lendersa® calculator allows you to assess FHA rates and terms alongside a variety of loan options, such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan program data from thousands of lenders, providing fast comparisons tailored to your financial profile and necessities.
The Loan Limits Comparison Table for 2026 in Harlan county of Shelby, IA boosts comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements such as income, reserves, and credit more effectively.
| 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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