For 2025, the FHA loan limits in Richmond, situated in Wayne, IN, are as follows: $472,030 for a single-family home, $604,400 for 2-unit properties, $730,525 for 3-unit homes, and $907,900 for residences with 4 units.
Conventionally, loan limits are $726,200 for a single-family residence. For 2-units, it’s $929,850; for 3-units, $1,123,900; and for 4-units, $1,396,800.
Utilize our FHA calculator to discover today’s optimal FHA rates and to calculate downpayment, income, credit, reserves, and necessary documents for qualification.
Lendersa® provides a way to compare FHA rates and terms alongside those from other loan types like Conventional, Jumbo, VA, USDA, Non-QM, and various hard money loans.
Collecting data from numerous lenders, Lendersa® quickly matches it against your unique financial profile.
The Loan Limits Comparison Table for 2025 in Richmond, Wayne, IN showcases FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), including hard money maximum loan amounts. To see details on requirements for income, reserves, and credit, try using 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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