For the year 2026, the FHA loan limit for a single-family home in McSherrystown county of Adams, PA, is $472,030. For structures with two units, the limit is set at $604,400, while three-unit buildings are capped at $730,525. The maximum permissible loan for four-unit properties is $907,900.
Regarding conventional loans, the maximum amount available for a single-family residence stands at $726,200. In properties with two units, the limit rises to $929,850, for three-unit residencies, it becomes $1,123,900, and extends to $1,396,800 for four-unit domiciles.
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The Loan Limits Comparison Table for 2026, relevant to McSherrystown county of Adams, PA, provides a side-by-side comparison of the maximum allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further assess qualifications such as income standards, reserve requirements, and credit expectations, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is available for your use.
| 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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