In the year 2026, the FHA loan limits for properties in Mount-Penn, part of Berks, PA, are defined as follows: a single-family home is eligible for a loan amount of up to $356,362. For properties with two units, the limit is $456,275; for those with three units, the cap is $551,500; and for four-unit buildings, the maximum reaches $685,400.
Regarding conventional loans, a single-family residence can reach a maximum loan amount of $548,250. Two-unit buildings are capped at $702,000, three-unit dwellings can secure up to $848,500, and properties with four units are allowed a maximum loan of $1,054,500.
Leverage our FHA calculator to find out today’s best FHA rates and to thoroughly review the necessary downpayment, income levels, credit prerequisites, reserves, and documentation required to qualify for a loan.
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The Lendersa® calculator equips you to effectively juxtapose the rates and terms of FHA loans with those from a variety of other financial offerings, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This tool is invaluable for understanding the broad spectrum of available financing options.
Lendersa® sources extensive and diverse loan program data from thousands of lenders, providing swift evaluations that align seamlessly with your unique financial profile and requirements. The process is designed to quickly and accurately match you with the most suitable loan programs.
The Loan Limits Comparison Table for 2026 applicable in Mount-Penn county within Berks, PA, offers a thorough comparison of maximum loan sizes across various categories—FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to delve deeper into qualification criteria such as income, reserves, and credit standards, ensuring successful qualification.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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