For 2026, the FHA loan limit in Winchester, part of Randolph, IN, is $472,030 for a single-family home. For two-unit dwellings, the limit is $604,400, for three units it's $730,525, and for four-unit properties, it reaches $907,900.
The cap on conventional loans for a single-family residence is $726,200. It increases to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit homes.
Use our FHA calculator to view the top FHA rates available today and determine your required downpayment, income, credit rating, reserves, and necessary documents for qualification.
The Lendersa® calculator enables you to evaluate FHA rates and terms against other loan program options. Explore and compare including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® instantly compiles comprehensive data from thousands of lenders to compare against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Winchester, county of Randolph, IN presents a detailed comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To evaluate qualification criteria like income, reserves, and credit—a simple task with 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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