In the year 2026, the FHA loan limits in Somerset county, which is part of Somerset in PA, are established at $472,030 for a single-family home. If your property includes two units, the limit is $604,400. For homes with three units, it's $730,525, and for homes with four units, the maximum extends to $907,900.
When looking at conventional loans, the highest amount you can secure for a single-family residence is $726,200. For a duplex or two-unit property, the limit is $929,850. Those seeking financing for a triplex will find limits up to $1,123,900, and for four-unit residences, the limit is pegged at $1,396,800.
Make use of our FHA calculator to uncover today's competitive FHA rates and determine what's needed in terms of down payment, income, credit score, reserves, and essential documentation for qualification.
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For 2026, the Loan Limits Comparison Table available for Somerset county in Somerset, PA, meticulously details the maximum amounts achievable through FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and even hard money loans. To dive deeper into individual qualification requirements that might include income, reserves, and credit considerations, utilize the comprehensive Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an in-depth analysis.
| 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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