For 2025, the FHA loan limits in the county of Toa Baja, within Candelaria, PR, are set at $472,030 for single-family homes, $604,400 for properties with two units, $730,525 for three units, and $907,900 for four units.
On the conventional lending side, the highest loan amount for a single-family home is $726,200. Limits change to $929,850 for two-unit properties, $1,123,900 for three units, and $1,396,800 for buildings with four units.
Our FHA calculator is available to help you find today’s top FHA rates and determine the qualifications needed, such as down payment requirements, income levels, credit, reserves, and necessary documents.
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The Lendersa® calculator provides the ability to compare FHA rates and terms alongside other loan options, including Conventional, Jumbo, VA, USDA, Non-QM, and even hard money loans. This ensures you find the most suitable selection.
With data sourced from thousands of lenders, Lendersa® quickly aligns these options with your specific financial profile and requirements.
Our Loan Limits Comparison Table for 2025 in Candelaria county, Toa Baja, PR includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed qualification comparisons, such as income, reserves, and credit requirements, utilize 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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