For the year 2026, the FHA loan limits in Waterford, specifically within Erie county of PA are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The highest amount offered for conventional loans for a single-family residence stands at $726,200. The limits reach $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Take advantage of our FHA calculator to see the best FHA rates available today and to determine what you'll need in terms of downpayment, income, credit score, reserves, and required documents to qualify.
The Lendersa® calculator allows you to compare both FHA rates and terms against various other loan program terms. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® acquires extensive loan program data from thousands of lenders, swiftly matching it against your personal financial needs and profile.
The Loan Limits Comparison Table for 2026 in Waterford, within Erie county, PA, provides comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan maximums. To review qualification criteria such as income thresholds, reserves, and credit, use 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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