During 2025, in Wilkes-Barre within Luzerne, PA, the FHA loan limits are set at $472,030 for a single-family home, $604,400 for residences with two units, $730,525 for three-unit houses, and $907,900 for properties with four units.
For conventional loans, the upper loan amount for a single-family home is $726,200, with $929,850 for two-unit homes, $1,123,900 for three-unit homes, and $1,396,800 for four-unit homes.
Try our FHA calculator to discover today's prime FHA rates and calculate the necessary downpayment, income, credit, reserves, and required documents to secure a loan.
With the Lendersa® calculator, you can evaluate FHA rates & terms alongside various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® acquires and processes data from thousands of lenders, swiftly comparing it to your personal financial needs and profile.
The Loan Limits Comparison Table for 2025 provides a detailed comparison for Wilkes-Barre, Luzerne, PA, across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximum limits. To compare specific eligibility requirements such as income, reserves, and credit needs, use Lendersa®'s 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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