For 2026, the FHA loan limits applicable in Shelby county, within Toole, MT, are specified as follows: $472,030 for a single-family home. For properties comprising two units, the limit is $604,400; for those with three units, $730,525; and for four-unit residences, the cap is $907,900.
As regards conventional loans, the maximum amount for a single-family home reaches $726,200. When it comes to two-unit properties, the ceiling is $929,850; for homes with three units, it climbs to $1,123,900; and for those with four units, it maxes out at $1,396,800.
Leverage our FHA calculator to explore today’s top FHA interest rates, determining essential factors such as downpayment, income, credit score, reserves, and other documentation required for eligibility.
The Lendersa® calculator facilitates a comparative analysis of FHA rates and terms against those offered by other loan programs. Delve into conventional loans, jumbo loans, VA, USDA, non-QM, and hard money financing in comparison to FHA options.
Lendersa® efficiently retrieves extensive loan program data from a multitude of lenders, matching it promptly against your unique financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in Shelby, belonging to Toole county, MT, serves as a tool to evaluate and contrast maximum permissible loan amounts across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money opportunities. For comprehensive assessments of qualification criteria such as income, reserves, and credit scores, utilize 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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