For 2026, the FHA loan limit in Kingston, situated in Luzerne county of PA, is set at $472,030 for a single-family home. The cap for properties with two units is $604,400, for those with three units it's $730,525, and for four-unit buildings, the limit is $907,900.
For conventional loans, the top borrowing amount for a single-family house is $726,200. Properties featuring two units have limits of $929,850, three-unit structures max out at $1,123,900, and for four units, it's $1,396,800.
To view today’s most competitive FHA rates and determine the requirements like down payment, income, credit score, reserves, and documentation for qualification, use our FHA calculator.
The Lendersa® calculator allows you to compare FHA terms with other loan offerings, such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Data from thousands of lenders underpins Lendersa®, which instantly analyzes it against your financial profile, delivering tailored comparisons that reflect your particular needs.
For 2026 in Kingston county of Luzerne, PA, the Loan Limits Comparison Table provides an examination of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further compare qualification criteria like income, reserves, and credit, employ 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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