In 2026, the FHA loan limit for properties within Independence, located in Polk County, OR, is set at $483,000 for single-family homes. The limit increases to $618,300 for duplexes, $747,400 for triplexes, and peaks at $928,850 for buildings with four units.
As for conventional loans, the maximum amount you can borrow for a single-family residence is $726,200. For two-unit properties, it goes up to $929,850, then enhances to $1,123,900 for three-unit homes, and finally, it reaches $1,396,800 for those housing four units.
Utilize our FHA calculator to explore today’s top FHA rates and calculate what downpayment, income, credit requirements, reserves, and documents are needed to qualify.
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The Lendersa® calculator allows you to efficiently compare FHA rates and terms with those of other loan programs, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This helps you explore a wide array of possibilities suited to your needs.
By accessing data from thousands of lenders, Lendersa® enables swift comparisons based on your specific financial situation and requirements.
For 2026, refer to the Loan Limits Comparison Table for Independence, situated within Polk, OR, which details maximum loan limits across various loan types, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To evaluate qualification conditions like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $483,000 | $618,300 | $747,400 | $928,850 |
| 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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