For the year 2025, the FHA loan cap in Lower-Mount-Bethel county, part of Northampton, PA, is $372,600 for single-family homes. For two-unit residences, the limit is $477,000, it increases to $576,550 for three-unit buildings, and the maximum for four-unit properties stands at $716,550.
When it comes to conventional loans, the highest amount for a single-family home is $548,250. Two-unit properties can secure up to $702,000, the limit rises to $848,500 for three units, and for four units, the cap is $1,054,500.
Explore today's best FHA rates using our calculator, which also helps you determine required downpayment, income, credit, reserves, and the necessary documentation for qualification.
The Lendersa® calculator is a powerful tool for comparing FHA rates and terms with other loan programs. This includes a comprehensive look at Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans against FHA offerings.
Lendersa® swiftly gathers data from numerous lenders, providing a quick comparison tailored to your unique financial situation and needs.
The Loan Limits Comparison Table for 2025 in the locality of Lower-Mount-Bethel county, Northampton, PA, allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loans. To assess qualification criteria such as income, reserves, and credit requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $372,600 | $477,000 | $576,550 | $716,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $298,080 | $298,080 | $298,080 | $298,080 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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