In 2026, the FHA loan limits in Reading county of Berks, PA are set as: $472,030 for a single-family home, $604,400 for two-unit structures, $730,525 for three-unit properties, and $907,900 for four-unit housing.
The maximum amount for conventional loans on a single-family residence is $726,200, scaling to $929,850 for two units, $1,123,900 for three-unit residences, and $1,396,800 for those with four units.
Use our FHA calculator to check today’s top FHA rates and determine the required downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows for a comparison of FHA rates and terms with those of other loan programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Gathering data from thousands of lending institutions, Lendersa® quickly matches loan programs to your specific financial situation.
The Loan Limits Comparison Table for 2026 in Reading county of Berks, PA shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine qualification criteria like income, reserves, and credit.
| 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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