In the year 2026, within the region of Sandy in the county of Clackamas, located in OR, the FHA loan limit has been established as $672,750 for a single-family residence. If you're considering a 2-unit property, the limit shifts to $861,250. For those looking at 3-unit properties, the cap increases to $1,041,050, and for multi-family homes with 4 units, the maximum achievable loan amount peaks at $1,293,750.
Additionally, the highest allowable loan amounts under conventional loan terms are detailed as follows: for a single-family home, the amount is $726,200. For properties consisting of 2 units, this limit rises to $929,850. Moving up to 3-unit residences, the available loan increases to $1,123,900, and for those with 4 units, the figure reaches $1,396,800.
To effectively plan your financial options, you can utilize our comprehensive FHA calculator. This tool allows you to evaluate the most competitive FHA rates available today. Moreover, it aids in determining the essential down payment, necessary income, credit requirements, reserve amounts, and the documents essential for qualification.
Delve into a broad spectrum of loan offers available from a vast network of 100 diverse lenders, ensuring you receive options best suited to your financial goals.
The Lendersa® calculator is an innovative tool designed to enable thorough comparison of FHA rates and terms against a broad range of other loan programs. It allows you to explore, analyze, and fully compare options including Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans alongside FHA offerings, empowering you to make informed and strategic decisions.
This tool pulls extensive loan program data from a multitude of lenders, allowing for rapid, real-time comparisons tailored directly to your exact financial profile and specific needs. By harnessing this feature, you gain a competitive edge in selecting the right loan.
Explore the comprehensive Loan Limits Comparison Table for 2026. Within this document, specifically for Sandy in Clackamas, OR, you can compare the upper loan limits across diverse categories including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. This detailed comparison offers a clear view of the maximum financing available. To examine eligibility criteria more closely, such as income levels, reserve requirements, and credit essentials, take advantage of the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This unique tool provides deeper insights into the qualification process, giving you the understanding needed for optimal decision-making.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $672,750 | $861,250 | $1,041,050 | $1,293,750 |
| 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 | $478,400 | $478,400 | $478,400 | $478,400 |
| 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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