In the year 2026, the FHA loan limit within Chester county, located in PA, is specified as follows: $431,250 for single-family homes, $552,050 for two-unit residences, $667,350 for three-unit properties, and reaching $829,350 for properties with four units.
Conventional loan limits are similarly structured with a maximum of $548,250 assigned to single-family homes. Two-unit buildings have a limit of $702,000, while a three-unit setup can go up to $848,500, and $1,054,500 is set for four-unit dwellings.
To explore the best FHA rates available today and assess the necessary downpayment, income qualifications, credit score, reserves, and documentation needed for loan eligibility, make use of our specialized FHA calculator.
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The Loan Limits Comparison Table for 2026 in the county of Chester, within PA and West-Pikeland, provides insights into maximum loan allowances across various categories including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), as well as hard money loans. For detailed criteria related to income, reserves, and credit requirements, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) serves as a valuable resource.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $431,250 | $552,050 | $667,350 | $829,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $345,000 | $345,000 | $345,000 | $345,000 |
| 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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