As of 2026, FHA loan limits for Shelbyville county in Shelby, IN are detailed as $472,030 for a single-family home. For 2-unit structures, the limit is $604,400; for 3-unit properties, it's $730,525; and for 4-unit residences, the limit is $907,900.
The top loan amounts on conventional loans for a single-family residence are $726,200, with amounts of $929,850 for 2-unit homes, $1,123,900 for 3-unit buildings, and $1,396,800 for 4-unit homes.
Utilize our FHA calculator to identify today’s optimal FHA rates, and understand the downpayment, income, credit standing, reserves, and documents necessary for qualification.
With the Lendersa® calculator, you can assess FHA rates and terms alongside those of other loan categories, encompassing Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources comprehensive loan data from a myriad of lenders, providing a swift comparison against your unique financial scenario and requirements.
The Loan Limits Comparison Table for the year 2026 in Shelbyville county of Shelby, IN presents a broad array of maximum loan amounts. Compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For analyzing criteria such as income, reserves, and credit requirements, use the 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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