In the year 2026, the FHA loan limits defined for Chester county, which is in Delaware, PA, are $529,000 for a single-family home, $677,200 for two-unit properties, $818,600 for three units, and $1,017,300 for those with four units.
For conventional loans, the highest amount available to borrow on a single-family residence is set at $726,200. For homes with two units, it's $929,850; for three units, the limit becomes $1,123,900, and for four-unit structures, the maximum is $1,396,800.
You can utilize our FHA calculator to explore the current best rates offered and determine essential factors such as the downpayment, required income, credit score, reserves, and required documents for qualification purposes.
With the Lendersa® calculator, you can assess and compare the rates and terms of FHA loans alongside those of various other loan programs. Delve into options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans to see how they measure up with FHA.
By gathering data from thousands of lenders, Lendersa® swiftly evaluates and matches loan programs to your personal financial profile and needs, ensuring tailored comparisons.
Our comprehensive Loan Limits Comparison Table for 2026 within Chester county, Delaware, PA lets you compare maximum borrowing amounts across a variety of options: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper dive into qualification nuances like income, reserves, and credit, try the advanced Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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