In the year 2026, within Mercer, PA, the FHA loan limits for Hermitage county are defined as follows: for a single-family home, the limit is $472,030; for 2-units, it's $604,400; for 3-units, it reaches $730,525; and for 4-units, the cap is $907,900.
The top loan amount for conventional loans on a single-family home is established at $726,200. For residences with two, three, and four units, the limits rise to $929,850, $1,123,900, and $1,396,800 respectively.
Utilize our FHA calculator to check out today’s most competitive FHA rates and to evaluate the necessary down payment, income, credit standing, reserves, and documentation required for qualification.
With the Lendersa® calculator, you can measure FHA terms and rates against those of other loan programs. Delve into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA rates.
Having access to information from thousands of lenders, Lendersa® swiftly compares this data with your individual financial profile to meet your needs.
In the Loan Limits Comparison Table for 2026 in Hermitage, Mercer, PA, compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed insights into qualification requirements 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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