As of 2025, the FHA loan limits in Reamstown county, Lancaster, PA, are structured as follows: single-family homes can be financed up to $472,030, while two-unit residences have limits of $604,400. For properties with three units, the cap is $730,525, and for those with four units, it's $907,900.
In terms of conventional loans, the maximum for a single-family home is $726,200, with limits of $929,850 for two-unit dwellings, $1,123,900 for three units, and up to $1,396,800 for four-unit properties.
To evaluate today’s leading FHA interest rates and determine requirements for downpayment, income, credit standing, reserves, and necessary documentation, use our FHA calculator.
The Lendersa® calculator provides a platform to compare FHA rates and terms alongside those from other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® gathers extensive loan program data from numerous lenders, and within moments, assesses how these align with your financial profile and specific needs.
The Loan Limits Comparison Table for 2025 in Reamstown county, Lancaster, PA, features a comparison of maximum loan amounts across different categories: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. For insight into qualification criteria such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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