As of 2026, the FHA loan limits in State-College, located in Centre county of PA, are specified as follows: $356,362 for a single-family home, $456,275 for two-unit properties, $551,500 for homes with three units, and $685,400 for buildings with four units.
The maximum allowable loan for conventional single-family residences reaches $548,250. For duplex homes, it is $702,000, for triplexes $848,500, and for four-unit dwellings $1,054,500.
Our FHA calculator is at your disposal to check today’s leading FHA rates and to outline the required down payment, income, creditworthiness, reserves, and documentation for qualification.
The Lendersa® calculator provides a comparison of FHA rates and terms alongside other loan programs. Discover options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in relation to FHA offerings.
Lendersa® gathers loan data from thousands of lenders, swiftly comparing it with your individualized financial needs and profile.
Refer to the Loan Limits Comparison Table for 2026 in the county of Centre, within State-College, PA, for maximum amounts concerning FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification necessities such as income, reserves, and credit standards, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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