For 2026, the FHA loan limits in Spring within the Berks county of PA are as follows: $472,030 for a single-family home, rising to $604,400 for two-unit dwellings, increasing to $730,525 for three-unit properties, and reaching $907,900 for four units.
The maximum loan amount for conventional loans on a single-family residence begins at $726,200, with restrictions increasing to $929,850 for two units, escalating to $1,123,900 for three-unit structures, and finalizing at $1,396,800 for four-unit residences.
Our FHA calculator can help you discover today's best FHA rates and assess what's required for down payment, income, credit score, reserves, and necessary documentation for loan qualification.
The Lendersa® calculator grants you the ability to match FHA rates and terms against those of other loan programs. Consider the variations across Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans when weighed against FHA.
Lendersa® gathers detailed loan program information from thousands of lenders, allowing seamless and quick comparison customized to your distinct financial circumstances.
The Loan Limits Comparison Table for 2026 situated in Spring county, Berks, PA, comprises FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To examine qualification needs such as income, reserves, and credit criteria, leverage 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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