In 2026, the FHA loan limits for South-Middleton county within Cumberland, PA are outlined as follows: for single-family homes, the limit is $356,362; for properties with two units, it is set at $456,275; for three units, it goes up to $551,500; and for four-unit residences, the limit is $685,400.
For conventional loans, the maximum amount available on a single-family residence is $548,250. For homes with two units, the maximum is $702,000; three units have a limit of $848,500; and for four units, the max is $1,054,500.
Our FHA calculator can help you find today's most competitive FHA rates, and it provides an effective way to determine your needed downpayment, income level, credit score, reserves, and the documents required for loan eligibility.
The Lendersa® calculator is a useful resource for comparing FHA rates and terms with those from other loan programs. It allows potential borrowers to explore and examine offers from Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA options.
Lendersa® aggregates loan program data from thousands of lenders and utilizes it to instantaneously compare against your distinct financial profile and needs.
Explore the Loan Limits Comparison Table for 2026 within South-Middleton, Cumberland, PA, which features a comprehensive comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For further qualification analysis covering income, reserve levels, and credit conditions, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) offers detailed insights.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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