As of 2025, the FHA loan limits in Salem county, which is part of Wayne, PA, are as follows: for single-family homes, it is $472,030; for properties with two units, $604,400; for three-unit homes, the limit is $730,525; and for four units, it’s $907,900. These limits cater to diverse housing needs and structures.
When it comes to conventional loans, the maximum you can borrow for a single-family residence is $726,200. This limit changes for multiplexes: for two units, it is $929,850; for three units, the maximum allowed is $1,123,900; and for four units, it's $1,396,800. These variations accommodate various residential setups.
Utilize our FHA calculator to uncover today's top FHA rates and discern the requirements including downpayment, income, credit scores, reserves, and necessary documentation for qualifying.
With the Lendersa® calculator, you can assess FHA rates and terms alongside all other loan programs. Discover, compare, and contrast options including conventional loans, jumbo options, VA, USDA, non-QM, and hard money alternatives relative to FHA.
Lendersa® aggregates loan program data from thousands of lenders and provides a rapid comparison against your specific financial profile and needs for accurate insights.
See the Loan Limits Comparison Table for 2025 in Salem county, part of Wayne, PA, for a detailed look at maximum loan amounts available across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare essential qualification aspects such as income, reserves, and credit scores.
| 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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