In 2026, the FHA loan limit in Cheltenham county of Montgomery, PA, is $529,000 for a single-family home. For 2-unit properties, it’s $677,200; for 3-units, the limit is $818,600; and for 4-units, it is $1,017,300.
The maximum amount for conventional loans on a single-family residence is $726,200. For 2-units, the cap is $929,850; for 3-units, it's $1,123,900; and for 4-units, it tops out at $1,396,800.
Use our FHA calculator to find today’s best FHA rates and determine what's needed to qualify, including downpayment, income, credit, reserves, and documents.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other programs. You can explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in contrast with FHA.
Lendersa® gathers loan data from thousands of lenders and provides quick comparisons to fit your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cheltenham county of Montgomery, PA displays maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $529,000 | $677,200 | $818,600 | $1,017,300 |
| 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 | $381,800 | $381,800 | $381,800 | $381,800 |
| 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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