In 2026, the FHA loan limit for Centre in the county of Berks, PA is $472,030 for single-family homes. For properties with two units, the limit is $604,400; for three-unit properties, it stands at $730,525; and for four units, it reaches $907,900.
The maximum loan allowable for conventional loans on single-family residences is $726,200. For 2-units, the cap is $929,850; for 3-units, it's $1,123,900; and for 4-units, the limit hits $1,396,800.
You can use our FHA calculator to access current FHA home loan rates and figure out what down payment, income level, credit score, reserves, and documents you'll need to qualify.
The Lendersa® calculator empowers you to compare FHA rates and terms with a broad spectrum of loan programs. You can also explore conventional, jumbo, VA, USDA, non-QM, and hard money loan options alongside FHA.
Lendersa® compiles data from thousands of lenders and swiftly compares it with your personal financial needs and profile.
In 2026, the Loan Limits Comparison Table for Centre county in Berks, PA lets you examine FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans, showing differences in maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification criteria like income, reserves, and credit.
| 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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