In 2026, the FHA loan limits applicable in Smith, situated within the county of Washington, PA, are set at $472,030 for a single-family home. The limits extend to $604,400 for properties consisting of two units, $730,525 for three-unit buildings, and $907,900 for four-unit structures.
The maximum allowable amounts for conventional loans start at $726,200 for a single-family dwelling, rise to $929,850 for two-unit buildings, $1,123,900 for three-unit configurations, and peak at $1,396,800 for properties with four units.
Our FHA calculator is a practical tool designed to illuminate today’s most favorable FHA rates, helping you calculate the downpayment and understand necessary criteria such as income, credit evaluations, reserves, and requisite documentation for securing qualification.
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Lendersa® calculator is your gateway to juxtaposing FHA rates and terms with those presented by a spectrum of other loan variants. Embark on comparisons across a range of possibilities, including conventional loans, jumbo options, VA, USDA, non-qualified mortgages, and hard money loans in conjunction with FHA.
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The Loan Limits Comparison Table for 2026 in the Washington of Smith, within PA, provides an insightful analysis of maximum loan quantities across diverse categories. This includes FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo options, reverse mortgages (HECM), and hard money loans. For a thorough evaluation of qualification standards, encompassing aspects such as income, necessary reserves, and credit prerequisites, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) serves as an invaluable resource, simplifying the entire process.
| 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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