For the year 2026, the FHA loan limits for Mishawaka located in St. Joseph, IN are: $472,030 for a single-family home, $604,400 for 2-unit properties, $730,525 for 3-unit buildings, and $907,900 for properties with 4 units.
Maximum amounts for conventional loans are $726,200 for a single-family home, $929,850 for two-unit houses, $1,123,900 for three units, and $1,396,800 for four-unit residences.
Our FHA calculator allows you to check current FHA rates, as well as calculate the required down payment, income, credit, reserves, and documents for eligibility.
Lendersa® lets you conduct a comprehensive comparison of FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Our platform gathers data from a vast array of lenders, enabling quick comparison with your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Mishawaka, St. Joseph, IN covers maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money. To analyze qualification criteria like income, reserves, and credit, try 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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