In 2026, FHA loan limits for Ross county, Luzerne, PA are $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
Maximum loan amounts for conventional loans are $726,200 for single-family residences, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Our FHA calculator helps determine today’s best FHA rates, necessary downpayment, income requirements, credit, reserves, and needed documents for qualification.
The Lendersa® calculator allows you to compare FHA rates with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
It aggregates data from thousands of lenders to match your unique financial profile quickly.
Consult the Loan Limits Comparison Table for 2026 in Ross county, Luzerne, PA to analyze maximum loan amounts across 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 such as 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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