For 2026, the FHA loan limit within Libby, located in Lincoln, MT, is specified as $472,030 for a single-family dwelling. For properties with two units, it is $604,400, for three units, $730,525, and for four-unit homes, the limit is $907,900.
In terms of conventional loans, the highest loan amount for a single-family residence is $726,200. For duplexes, it's set at $929,850, for triplexes $1,123,900, and for four-unit properties, the limit reaches $1,396,800.
To find today’s leading FHA rates and assess what's needed for qualification—including downpayment, income requirements, credit, reserves, and documentation—employ our FHA calculator.
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The Lendersa® calculator allows for a thorough assessment of FHA rates in comparison with all other loan program rates and terms, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
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For 2026, the Loan Limits Comparison Table in Libby county, part of Lincoln, MT, aids in comparing limits across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To review qualification requirements such as income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) should be used.
| 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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