For the year 2026, the FHA loan limit in Canton county, Lincoln, SD is $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for three-unit residences, and $907,900 for four-unit homes.
The cap on conventional loans for a single-family home stands at $726,200. For properties with two units, it is $929,850, three units have a limit of $1,123,900, and for four units, it reaches $1,396,800.
Utilize our FHA calculator to assess today's advantageous FHA rates and discern the necessary down payment, income, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator provides a comprehensive comparison of FHA rate and terms with other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
By sourcing loan program data from a myriad of lenders, Lendersa® evaluates this information against your custom financial profile quickly.
The Loan Limits Comparison Table for 2026 in Canton county, Lincoln, SD allows you to compare maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. For a detailed evaluation of qualification criteria, such as income, reserves, and credit, employ 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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