In 2026, the FHA loan limits applicable within San-Germán county, located in San Germán, PR, are outlined as follows: the allocation for a single-family home is $356,362. For properties accommodating two units, the limit escalates to $456,275. When considering triplexes, it's set at $551,500, and for four-unit residences, the upper limit reaches $685,400. These figures ensure flexibility for various housing configurations.
Conventional loans, on the other hand, have their borrowing caps: a single-family residence tops out at $548,250. Should you be interested in a duplex, the maximum is $702,000. For triplex structures, you can borrow up to $848,500. For those aiming for four-unit buildings, the amount extends to $1,054,500. Understanding these numbers is pivotal in tailoring your housing choices.
Our FHA calculator is an excellent way to uncover today's best rates. It's also instrumental in determining the necessary down payment, income benchmarks, credit criteria, reserves, and documents required for qualification. Knowing these parameters helps streamline your loan application process, ensuring you're well-prepared.
Begin your journey by comparing loan offers from a broad range of 100 lenders to find the most advantageous terms that suit your financial strategy.
Utilize the Lendersa® calculator to perform detailed comparisons of FHA rates and terms against those offered by various other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Diving into these options offers a comprehensive perspective, aiding you in selecting the most fitting loan program that aligns with your financial requirements and long-term goals.
Lendersa® effectively gathers extensive data from thousands of lending institutions and matches this information to your unique financial profile swiftly and accurately, ensuring you make informed decisions quickly, backed by robust data.
The Loan Limits Comparison Table for 2026, tailored for San-Germán county in San Germán, PR, serves as a valuable resource. This table helps in examining the maximum loan amounts applicable across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Moreover, to delve deeper into precise qualification requirements such as income thresholds, reserve mandates, and credit ratings, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) becomes indispensable, offering clarity and support when navigating your loan options.
| 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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