In 2026, the FHA loan limits for South-Bend county, St. Joseph, IN, are $356,362 for a single-family home, $456,275 for two-units, $551,500 for three-units, and $685,400 for four-units.
The maximum loan amount for conventional loans on a single-family house is $548,250, with limits of $702,000 for two-units, $848,500 for three-units, and $1,054,500 for four-units.
Utilize our FHA calculator to access today’s FHA top rates. It will help you determine the required downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly aggregates loan data from thousands of sources, matching it with your personalized financial needs.
Explore the Loan Limits Comparison Table for 2026 in South-Bend county, St. Joseph, IN, showing maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare criteria such as income, reserves, and credit using Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
