For the year 2026, the FHA loan limits in Shippensburg county, part of Cumberland, PA, are $472,030 for a single-family home. Two-unit homes are capped at $604,400, three-unit properties at $730,525, and four-unit dwellings at $907,900.
Concerning conventional loans, the upper limit for a single-family residence is $726,200. It stands at $929,850 for two-unit homes, $1,123,900 for three-unit homes, and for four units, the limit is $1,396,800.
Check out the FHA calculator to view today’s best FHA rates. It assists not only in calculating the required downpayment but also evaluates necessary income, credit, reserves, and all necessary qualifying documents.
With the Lendersa® calculator, you can efficiently compare FHA rates and terms against other loan types, including conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans.
The data Lendersa® collects from numerous lenders is evaluated swiftly to match with your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 showcases conditions in Shippensburg county of Cumberland, PA, comparing the maximum loan amounts of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification prerequisites like income, reserves, and credit, utilize 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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