For 2026, in Freeland of Luzerne county, PA, the FHA loan limit for a single-family home is $472,030. For two-unit residences, it's $604,400; for three-unit homes, it's $730,525; and for four-unit properties, the limit is $907,900.
The highest amount for conventional loans on a single-family property is $726,200. This limit is extended to $929,850 for two units, $1,123,900 for three-unit homes, and $1,396,800 for four-unit structures.
Take advantage of our FHA calculator to evaluate today's top FHA rates, helping you estimate the necessary downpayment, income, credit score, reserve requirements, and paperwork needed for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with those of various other loan programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This thorough comparison helps find your optimal loan solution.
Lendersa® seamlessly aggregates data from a wide network of lenders and, within moments, aligns it with your personalized financial profile and requirements.
Refer to the Loan Limits Comparison Table for 2026 in Freeland county of Luzerne, PA, offering a detailed comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM) maximum loan amounts, alongside hard money options. For a deeper examination of qualification needs such as income, reserve ratios, and credit, rely on Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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