In 2026, the FHA loan limit for Winona-Lake within Kosciusko, IN is $356,362 for single-family homes. For two-unit properties, it's set at $456,275, for three-unit properties, it's $551,500, and for four-unit properties, it reaches $685,400.
The cap for conventional loan amounts on single-family residences is $548,250. For two-unit homes, it extends to $702,000, for three-units, $848,500, and $1,054,500 for four-units.
Our FHA calculator lets you find the best FHA rates available today and assess downpayment, income, credit, reserves, and the documents needed to qualify.
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Lendersa® calculator lets you match FHA rates and terms with those from a wide variety of loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
Lendersa® gathers comprehensive data from thousands of lenders to swiftly compare it to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Winona-Lake, Kosciusko, IN provides a 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, use 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 |
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