As of 2026, the FHA loan limit in the county of Lake, located in Gary, IN, is set at $472,030 for a single-family residence. For properties with 2, 3, and 4 units, the limits are $604,400, $730,525, and $907,900, respectively.
When it comes to conventional loans, the highest amount allowed for a single-family home is $726,200, and for homes with 2, 3, or 4 units, the limits are $929,850, $1,123,900, and $1,396,800 accordingly.
Utilize our FHA calculator to find the most competitive FHA interest rates today. It also helps determine the necessary down payment, income, credit score, reserves, and documentation for eligibility.
The Lendersa® calculator offers a clear comparison of FHA rates and terms with those of various loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources data from a vast array of lenders, automatically matching and comparing it with your particular financial situation and needs to find the best fit.
Explore the Loan Limits Comparison Table for 2026 in Gary, encompassing Lake, IN. Compare the maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To evaluate qualification criteria including income, reserves, and credit score, try out Lendersa®'s 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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