In 2026, the FHA loan limit applicable within Monmouth, county of Polk, OR, is set at $483,000 for single-family homes. For two-unit properties, this limit increases to $618,300, it becomes $747,400 for those with three units, and $928,850 for buildings with four units.
For conventional loans, the top amount for a single-family residence stands at $726,200, rising to $929,850 for two units, $1,123,900 for three units, and peaking at $1,396,800 for four units.
Utilize our FHA calculator to uncover today’s prime FHA rates and assess the necessary downpayment, income, credit score, reserves, and documentation required for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with those of other loan options. Compare these with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA offerings.
Lendersa® rapidly collects data from thousands of lenders, ensuring a quick comparison with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Monmouth's county of Polk, OR, provides a breakdown of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For detailed comparisons regarding qualification factors like income, reserves, and credit scores, make use of 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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