For 2026, the FHA loan limits in West-Cocalico county of Lancaster, PA, are $356,362 for a single-family home. The limit rises to $456,275 for 2-units, $551,500 for 3-units, and reaches $685,400 for 4-unit properties.
The maximum loan amount for conventional loans in a single-family residence is $548,250. For homes with two units, it's $702,000; three units have a maximum of $848,500, and for those with four units, the limit is $1,054,500.
Use our FHA calculator to discover today’s best FHA rates and ascertain the necessary downpayment, income, credit rating, reserves, and documentation needed for qualification.
Our Lendersa® calculator enables you to compare FHA rates and terms against all other loan programs. Survey and contrast options, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® aggregates extensive loan data from thousands of lenders and quickly analyzes it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in West-Cocalico county of Lancaster, PA, helps compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification needs, including credit, reserves, and income, utilize 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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