In the year 2026, the FHA loan limits in Bethlehem within Northampton, PA, are defined as follows: $372,600 for a single-family home, $477,000 for two-unit properties, $576,550 for residences with three units, and $716,550 for four-unit buildings.
Regarding conventional loans, the maximum amount for a single-family residence is $548,250. For two-unit homes, the cap is $702,000, for three-unit structures it is $848,500, and for four-unit residences $1,054,500.
Utilize our FHA calculator to find today's most favorable FHA rates and figure out the necessary down payment, income, credit score, reserves, and documentation required for qualification.
With Lendersa® calculator, you can effectively compare FHA rates and terms with those offered by other loan programs. Consider and evaluate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® sources extensive loan program data from thousands of lenders, rapidly matching it with your unique financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Bethlehem county of Northampton, PA includes maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Lendersa® Super Loan Integrated Qualifier (SLIQ™) can be used to further compare qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $372,600 | $477,000 | $576,550 | $716,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $298,080 | $298,080 | $298,080 | $298,080 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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