For 2026, the FHA loan limits in Philadelphia, within Philadelphia, PA, are as follows: $529,000 for a single-family home, $677,200 for two-unit properties, $818,600 for three-unit buildings, and $1,017,300 for those with four units.
The maximum loan allowed for conventional single-family homes reaches $726,200. For two-unit homes, it's $929,850; for those with three units, $1,123,900; and for four-unit structures, it's $1,396,800.
Utilize our FHA calculator to access today's best FHA rates and understand the necessary down payment, income, credit details, reserves, and documents needed to qualify.
The Lendersa® calculator assists you in comparing FHA rates and terms with those of other loan programs. Consider and compare options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® gathers data from thousands of lending sources, swiftly matching it to your unique financial profile.
For 2026, the Loan Limits Comparison Table in Philadelphia county of Philadelphia, PA, provides a contrast between loan limits for 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 assess requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $529,000 | $677,200 | $818,600 | $1,017,300 |
| 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 | $345,000 | $345,000 | $345,000 | $345,000 |
| 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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