In the year 2026, the FHA loan cap for Upper-Mount-Bethel county, located in Northampton, PA, is $372,600 for a single-family dwelling. For duplexes, the limit is $477,000; a triplex is set at $576,550; and for four-unit homes, it's $716,550.
For conventional loans, the highest amount you can borrow for a single-family home is $548,250. In contrast, 2-unit properties are capped at $702,000, 3-units at $848,500, and 4-units reach $1,054,500.
Utilize our FHA calculator to check the optimal FHA rates today. It can also help you understand the necessary down payment, income, credit, reserves, and documents required to qualify.
The Lendersa® tool effortlessly compares FHA rates and terms with various other loan programs. Among the options available are Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly pulls loan program data from an extensive lender network, matching it to your financial needs.
Check the Loan Limits Comparison Table for 2026 in Upper-Mount-Bethel county, Northampton, PA. Compare maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To gauge qualification criteria like income and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $372,600 | $477,000 | $576,550 | $716,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $298,080 | $298,080 | $298,080 | $298,080 |
| 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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